Home > The Troy State Bank > Income and Expense
The Troy State Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $783,000 | 6,860 |
| Total interest expense | $196,000 | 6,262 |
| Net interest income | $587,000 | 6,913 |
| Provision for loan and lease losses | $20,000 | 5,381 |
| Total noninterest income | $58,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $47,000 | 6,103 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $11,000 | 6,470 |
| Total noninterest expense | $559,000 | 6,888 |
| Salaries and employee benefits | $258,000 | 6,947 |
| Premises and equipment expense | $79,000 | 6,561 |
| Additional noninterest expense | $222,000 | 6,721 |
| Pre-tax net operating income | $66,000 | 6,111 |
| Securities gains (losses) | $38,000 | 2,590 |
| Applicable income taxes | $4,000 | 4,560 |
| Income before extraordinary items | $100,000 | 6,107 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $100,000 | 6,106 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $100,000 | 6,106 |
| Net charge-offs | $25,000 | 4,951 |
| Cash dividends | $90,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $63,520 | 6,099 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $534,000 | 6,904 |
| Total interest expense | $133,000 | 6,327 |
| Net interest income | $401,000 | 6,959 |
| Provision for loan and lease losses | $9,000 | 5,395 |
| Total noninterest income | $42,000 | 6,558 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $35,000 | 5,993 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 6,537 |
| Total noninterest expense | $363,000 | 6,958 |
| Salaries and employee benefits | $192,000 | 6,958 |
| Premises and equipment expense | $53,000 | 6,590 |
| Additional noninterest expense | $118,000 | 6,919 |
| Pre-tax net operating income | $71,000 | 6,009 |
| Securities gains (losses) | $8,000 | 2,780 |
| Applicable income taxes | $3,000 | 4,521 |
| Income before extraordinary items | $76,000 | 6,088 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $76,000 | 6,088 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $76,000 | 6,088 |
| Net charge-offs | $1,000 | 5,406 |
| Cash dividends | $90,000 | 3,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $68,320 | 5,985 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $274,000 | 6,950 |
| Total interest expense | $67,000 | 6,412 |
| Net interest income | $207,000 | 7,002 |
| Provision for loan and lease losses | $5,000 | 5,057 |
| Total noninterest income | $22,000 | 6,584 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $18,000 | 5,949 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 6,590 |
| Total noninterest expense | $181,000 | 7,016 |
| Salaries and employee benefits | $97,000 | 7,014 |
| Premises and equipment expense | $27,000 | 6,604 |
| Additional noninterest expense | $57,000 | 6,979 |
| Pre-tax net operating income | $43,000 | 6,009 |
| Securities gains (losses) | $8,000 | 1,818 |
| Applicable income taxes | $2,000 | 4,463 |
| Income before extraordinary items | $49,000 | 5,987 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $49,000 | 5,987 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $49,000 | 5,987 |
| Net charge-offs | $-1,000 | 5,761 |
| Cash dividends | $10,000 | 2,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $41,320 | 5,946 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,161,000 | 6,982 |
| Total interest expense | $314,000 | 6,500 |
| Net interest income | $847,000 | 7,042 |
| Provision for loan and lease losses | $111,000 | 5,252 |
| Total noninterest income | $89,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $73,000 | 5,923 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $16,000 | 6,440 |
| Total noninterest expense | $719,000 | 7,098 |
| Salaries and employee benefits | $392,000 | 7,069 |
| Premises and equipment expense | $118,000 | 6,682 |
| Additional noninterest expense | $209,000 | 7,109 |
| Pre-tax net operating income | $106,000 | 5,748 |
| Securities gains (losses) | $13,000 | 3,238 |
| Applicable income taxes | $52,000 | 3,745 |
| Income before extraordinary items | $67,000 | 5,979 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $67,000 | 5,981 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $67,000 | 5,981 |
| Net charge-offs | $35,000 | 5,667 |
| Cash dividends | $85,000 | 3,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $58,680 | 5,890 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $902,000 | 7,033 |
| Total interest expense | $241,000 | 6,578 |
| Net interest income | $661,000 | 7,097 |
| Provision for loan and lease losses | $27,000 | 5,868 |
| Total noninterest income | $66,000 | 6,618 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $55,000 | 5,946 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $11,000 | 6,610 |
| Total noninterest expense | $542,000 | 7,148 |
| Salaries and employee benefits | $290,000 | 7,118 |
| Premises and equipment expense | $88,000 | 6,725 |
| Additional noninterest expense | $164,000 | 7,150 |
| Pre-tax net operating income | $158,000 | 5,618 |
| Securities gains (losses) | $7,000 | 3,148 |
| Applicable income taxes | $7,000 | 4,338 |
| Income before extraordinary items | $158,000 | 5,675 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $158,000 | 5,676 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $158,000 | 5,676 |
| Net charge-offs | $22,000 | 5,495 |
| Cash dividends | $85,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $151,280 | 5,566 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $594,000 | 7,107 |
| Total interest expense | $163,000 | 6,663 |
| Net interest income | $431,000 | 7,164 |
| Provision for loan and lease losses | $18,000 | 5,762 |
| Total noninterest income | $40,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $33,000 | 6,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 6,701 |
| Total noninterest expense | $367,000 | 7,210 |
| Salaries and employee benefits | $195,000 | 7,186 |
| Premises and equipment expense | $59,000 | 6,768 |
| Additional noninterest expense | $113,000 | 7,197 |
| Pre-tax net operating income | $86,000 | 5,760 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $4,000 | 4,365 |
| Income before extraordinary items | $82,000 | 5,814 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $82,000 | 5,813 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $82,000 | 5,814 |
| Net charge-offs | $21,000 | 5,023 |
| Cash dividends | $45,000 | 3,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $82,000 | 5,734 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $289,000 | 7,178 |
| Total interest expense | $84,000 | 6,720 |
| Net interest income | $205,000 | 7,241 |
| Provision for loan and lease losses | $9,000 | 5,448 |
| Total noninterest income | $16,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $15,000 | 6,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 7,012 |
| Total noninterest expense | $183,000 | 7,266 |
| Salaries and employee benefits | $97,000 | 7,233 |
| Premises and equipment expense | $29,000 | 6,837 |
| Additional noninterest expense | $57,000 | 7,253 |
| Pre-tax net operating income | $29,000 | 6,003 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,000 | 4,403 |
| Income before extraordinary items | $28,000 | 6,019 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $28,000 | 6,018 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $28,000 | 6,019 |
| Net charge-offs | $20,000 | 4,032 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $28,000 | 5,990 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 7,241 |
| Total interest expense | $384,000 | 6,837 |
| Net interest income | $829,000 | 7,302 |
| Provision for loan and lease losses | $140,000 | 5,715 |
| Total noninterest income | $99,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $84,000 | 5,707 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $15,000 | 6,702 |
| Total noninterest expense | $726,000 | 7,360 |
| Salaries and employee benefits | $390,000 | 7,331 |
| Premises and equipment expense | $113,000 | 6,941 |
| Additional noninterest expense | $223,000 | 7,334 |
| Pre-tax net operating income | $62,000 | 5,590 |
| Securities gains (losses) | $36,000 | 2,848 |
| Applicable income taxes | $12,000 | 4,176 |
| Income before extraordinary items | $86,000 | 5,663 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $86,000 | 5,664 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $86,000 | 5,664 |
| Net charge-offs | $123,000 | 5,245 |
| Cash dividends | $10,000 | 4,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $54,320 | 5,646 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $922,000 | 7,345 |
| Total interest expense | $292,000 | 6,951 |
| Net interest income | $630,000 | 7,386 |
| Provision for loan and lease losses | $131,000 | 5,431 |
| Total noninterest income | $73,000 | 6,834 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $67,000 | 5,704 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $6,000 | 7,007 |
| Total noninterest expense | $538,000 | 7,448 |
| Salaries and employee benefits | $291,000 | 7,416 |
| Premises and equipment expense | $78,000 | 7,109 |
| Additional noninterest expense | $169,000 | 7,412 |
| Pre-tax net operating income | $34,000 | 5,850 |
| Securities gains (losses) | $36,000 | 2,626 |
| Applicable income taxes | $3,000 | 4,477 |
| Income before extraordinary items | $67,000 | 5,868 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $67,000 | 5,870 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $67,000 | 5,870 |
| Net charge-offs | $120,000 | 4,722 |
| Cash dividends | $10,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $32,440 | 5,877 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $617,000 | 7,411 |
| Total interest expense | $198,000 | 7,021 |
| Net interest income | $419,000 | 7,447 |
| Provision for loan and lease losses | $122,000 | 4,886 |
| Total noninterest income | $45,000 | 6,935 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $41,000 | 5,847 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $4,000 | 7,074 |
| Total noninterest expense | $359,000 | 7,511 |
| Salaries and employee benefits | $194,000 | 7,477 |
| Premises and equipment expense | $50,000 | 7,197 |
| Additional noninterest expense | $115,000 | 7,457 |
| Pre-tax net operating income | $-17,000 | 6,111 |
| Securities gains (losses) | $28,000 | 2,205 |
| Applicable income taxes | $2,000 | 4,454 |
| Income before extraordinary items | $9,000 | 6,132 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $9,000 | 6,134 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $9,000 | 6,133 |
| Net charge-offs | $116,000 | 4,086 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-13,960 | 6,124 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $310,000 | 7,499 |
| Total interest expense | $100,000 | 7,137 |
| Net interest income | $210,000 | 7,536 |
| Provision for loan and lease losses | $108,000 | 3,859 |
| Total noninterest income | $20,000 | 7,107 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,000 | 7,254 |
| Total noninterest expense | $184,000 | 7,589 |
| Salaries and employee benefits | $97,000 | 7,576 |
| Premises and equipment expense | $26,000 | 7,239 |
| Additional noninterest expense | $61,000 | 7,511 |
| Pre-tax net operating income | $-62,000 | 6,545 |
| Securities gains (losses) | $25,000 | 1,431 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $-38,000 | 6,562 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-38,000 | 6,564 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-38,000 | 6,563 |
| Net charge-offs | $105,000 | 3,047 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-63,000 | 6,587 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 7,500 |
| Total interest expense | $480,000 | 7,177 |
| Net interest income | $887,000 | 7,543 |
| Provision for loan and lease losses | $193,000 | 5,830 |
| Total noninterest income | $89,000 | 7,073 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $78,000 | 6,049 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $11,000 | 7,168 |
| Total noninterest expense | $687,000 | 7,729 |
| Salaries and employee benefits | $384,000 | 7,664 |
| Premises and equipment expense | $89,000 | 7,474 |
| Additional noninterest expense | $214,000 | 7,706 |
| Pre-tax net operating income | $96,000 | 5,104 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $8,000 | 3,939 |
| Income before extraordinary items | $88,000 | 5,204 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $88,000 | 5,203 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $88,000 | 5,203 |
| Net charge-offs | $216,000 | 4,899 |
| Cash dividends | $14,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $88,000 | 5,134 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,037,000 | 7,580 |
| Total interest expense | $369,000 | 7,262 |
| Net interest income | $668,000 | 7,613 |
| Provision for loan and lease losses | $113,000 | 5,832 |
| Total noninterest income | $69,000 | 7,180 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $60,000 | 6,072 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,000 | 7,300 |
| Total noninterest expense | $519,000 | 7,779 |
| Salaries and employee benefits | $294,000 | 7,711 |
| Premises and equipment expense | $65,000 | 7,564 |
| Additional noninterest expense | $160,000 | 7,762 |
| Pre-tax net operating income | $105,000 | 5,262 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $50,000 | 3,331 |
| Income before extraordinary items | $55,000 | 5,534 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $55,000 | 5,534 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $55,000 | 5,534 |
| Net charge-offs | $117,000 | 4,915 |
| Cash dividends | $14,000 | 4,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $55,000 | 5,475 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $697,000 | 7,638 |
| Total interest expense | $253,000 | 7,333 |
| Net interest income | $444,000 | 7,670 |
| Provision for loan and lease losses | $48,000 | 6,130 |
| Total noninterest income | $44,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $38,000 | 6,142 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $355,000 | 7,841 |
| Salaries and employee benefits | $199,000 | 7,780 |
| Premises and equipment expense | $43,000 | 7,635 |
| Additional noninterest expense | $113,000 | 7,781 |
| Pre-tax net operating income | $85,000 | 5,317 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $33,000 | 3,427 |
| Income before extraordinary items | $52,000 | 5,565 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $52,000 | 5,562 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $52,000 | 5,562 |
| Net charge-offs | $110,000 | 4,143 |
| Cash dividends | $10,000 | 3,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $52,000 | 5,489 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $355,000 | 7,681 |
| Total interest expense | $134,000 | 7,359 |
| Net interest income | $221,000 | 7,701 |
| Provision for loan and lease losses | $33,000 | 5,351 |
| Total noninterest income | $21,000 | 7,376 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $18,000 | 6,172 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $172,000 | 7,894 |
| Salaries and employee benefits | $102,000 | 7,812 |
| Premises and equipment expense | $21,000 | 7,693 |
| Additional noninterest expense | $49,000 | 7,870 |
| Pre-tax net operating income | $37,000 | 5,794 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $17,000 | 3,673 |
| Income before extraordinary items | $20,000 | 6,148 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $20,000 | 6,150 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $20,000 | 6,150 |
| Net charge-offs | $108,000 | 2,787 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $20,000 | 5,994 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 7,668 |
| Total interest expense | $634,000 | 7,440 |
| Net interest income | $890,000 | 7,724 |
| Provision for loan and lease losses | $35,000 | 6,787 |
| Total noninterest income | $105,000 | 7,256 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $96,000 | 5,948 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $9,000 | 7,711 |
| Total noninterest expense | $687,000 | 7,937 |
| Salaries and employee benefits | $431,000 | 7,820 |
| Premises and equipment expense | $87,000 | 7,735 |
| Additional noninterest expense | $169,000 | 8,002 |
| Pre-tax net operating income | $273,000 | 5,531 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $62,000 | 3,733 |
| Income before extraordinary items | $211,000 | 5,446 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $211,000 | 5,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,880 |
| Cash dividends | $106,000 | 4,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $211,000 | 5,599 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,151,000 | 7,735 |
| Total interest expense | $489,000 | 7,527 |
| Net interest income | $662,000 | 7,800 |
| Provision for loan and lease losses | $26,000 | 6,375 |
| Total noninterest income | $80,000 | 7,349 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $72,000 | 5,984 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,000 | 7,837 |
| Total noninterest expense | $475,000 | 8,040 |
| Salaries and employee benefits | $282,000 | 7,985 |
| Premises and equipment expense | $64,000 | 7,804 |
| Additional noninterest expense | $129,000 | 8,031 |
| Pre-tax net operating income | $241,000 | 5,868 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $62,000 | 3,966 |
| Income before extraordinary items | $179,000 | 5,814 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $179,000 | 5,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,807 |
| Cash dividends | $82,000 | 4,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $179,000 | 5,988 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 7,800 |
| Total interest expense | $334,000 | 7,606 |
| Net interest income | $442,000 | 7,835 |
| Provision for loan and lease losses | $17,000 | 6,076 |
| Total noninterest income | $56,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $47,000 | 6,035 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $9,000 | 7,734 |
| Total noninterest expense | $318,000 | 8,096 |
| Salaries and employee benefits | $186,000 | 8,048 |
| Premises and equipment expense | $41,000 | 7,863 |
| Additional noninterest expense | $91,000 | 8,053 |
| Pre-tax net operating income | $163,000 | 6,040 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $43,000 | 4,183 |
| Income before extraordinary items | $120,000 | 6,210 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,769 |
| Cash dividends | $54,000 | 4,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $120,000 | 6,143 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $395,000 | 7,854 |
| Total interest expense | $174,000 | 7,663 |
| Net interest income | $221,000 | 7,883 |
| Provision for loan and lease losses | $8,000 | 5,577 |
| Total noninterest income | $33,000 | 7,206 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $160,000 | 8,134 |
| Salaries and employee benefits | $93,000 | 8,085 |
| Premises and equipment expense | $20,000 | 7,941 |
| Additional noninterest expense | $47,000 | 8,047 |
| Pre-tax net operating income | $86,000 | 6,167 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $25,000 | 4,203 |
| Income before extraordinary items | $61,000 | 6,408 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $61,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,724 |
| Cash dividends | $24,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $61,000 | 6,308 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 7,903 |
| Total interest expense | $714,000 | 7,631 |
| Net interest income | $775,000 | 8,003 |
| Provision for loan and lease losses | $24,000 | 6,240 |
| Total noninterest income | $104,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $93,000 | 6,110 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $11,000 | 8,033 |
| Total noninterest expense | $629,000 | 8,187 |
| Salaries and employee benefits | $370,000 | 8,130 |
| Premises and equipment expense | $91,000 | 7,843 |
| Additional noninterest expense | $168,000 | 8,173 |
| Pre-tax net operating income | $226,000 | 6,804 |
| Securities gains (losses) | $-16,000 | 7,690 |
| Applicable income taxes | $38,000 | 5,080 |
| Income before extraordinary items | $172,000 | 6,880 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $172,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,631 |
| Cash dividends | $72,000 | 5,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $185,120 | 6,821 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 7,978 |
| Total interest expense | $531,000 | 7,683 |
| Net interest income | $572,000 | 8,075 |
| Provision for loan and lease losses | $18,000 | 5,899 |
| Total noninterest income | $80,000 | 7,536 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $72,000 | 6,103 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $8,000 | 8,099 |
| Total noninterest expense | $475,000 | 8,163 |
| Salaries and employee benefits | $279,000 | 8,107 |
| Premises and equipment expense | $68,000 | 7,828 |
| Additional noninterest expense | $128,000 | 8,137 |
| Pre-tax net operating income | $159,000 | 7,107 |
| Securities gains (losses) | $-16,000 | 7,900 |
| Applicable income taxes | $22,000 | 5,430 |
| Income before extraordinary items | $121,000 | 7,165 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $121,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,450 |
| Cash dividends | $52,000 | 4,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $134,600 | 7,098 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $726,000 | 8,045 |
| Total interest expense | $354,000 | 7,717 |
| Net interest income | $372,000 | 8,168 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $54,000 | 7,573 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $48,000 | 6,141 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,000 | 8,115 |
| Total noninterest expense | $314,000 | 8,217 |
| Salaries and employee benefits | $185,000 | 8,173 |
| Premises and equipment expense | $47,000 | 7,844 |
| Additional noninterest expense | $82,000 | 8,225 |
| Pre-tax net operating income | $100,000 | 7,243 |
| Securities gains (losses) | $-16,000 | 8,093 |
| Applicable income taxes | $11,000 | 5,629 |
| Income before extraordinary items | $73,000 | 7,316 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $73,000 | 7,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $32,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $86,920 | 7,204 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $354,000 | 8,107 |
| Total interest expense | $174,000 | 7,756 |
| Net interest income | $180,000 | 8,248 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $27,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $158,000 | 8,254 |
| Salaries and employee benefits | $93,000 | 8,195 |
| Premises and equipment expense | $22,000 | 7,922 |
| Additional noninterest expense | $43,000 | 8,221 |
| Pre-tax net operating income | $43,000 | 7,371 |
| Securities gains (losses) | $-16,000 | 8,337 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $24,000 | 7,562 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $24,000 | 7,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $20,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $38,240 | 7,325 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 8,046 |
| Total interest expense | $599,000 | 7,714 |
| Net interest income | $728,000 | 8,173 |
| Provision for loan and lease losses | $23,000 | 6,241 |
| Total noninterest income | $125,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $111,000 | 6,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,156 |
| Total noninterest expense | $642,000 | 8,264 |
| Salaries and employee benefits | $361,000 | 8,240 |
| Premises and equipment expense | $98,000 | 7,822 |
| Additional noninterest expense | $183,000 | 8,205 |
| Pre-tax net operating income | $188,000 | 7,446 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $24,000 | 5,855 |
| Income before extraordinary items | $164,000 | 7,422 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $164,000 | 7,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $78,000 | 5,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $164,000 | 7,416 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $984,000 | 8,131 |
| Total interest expense | $432,000 | 7,778 |
| Net interest income | $552,000 | 8,238 |
| Provision for loan and lease losses | $17,000 | 6,141 |
| Total noninterest income | $95,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $83,000 | 6,071 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 8,141 |
| Total noninterest expense | $476,000 | 8,287 |
| Salaries and employee benefits | $265,000 | 8,269 |
| Premises and equipment expense | $74,000 | 7,855 |
| Additional noninterest expense | $137,000 | 8,236 |
| Pre-tax net operating income | $154,000 | 7,605 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $129,000 | 7,578 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $129,000 | 7,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $64,000 | 4,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $129,000 | 7,581 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $672,000 | 8,137 |
| Total interest expense | $282,000 | 7,782 |
| Net interest income | $390,000 | 8,248 |
| Provision for loan and lease losses | $11,000 | 5,966 |
| Total noninterest income | $67,000 | 7,564 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $55,000 | 6,106 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 7,965 |
| Total noninterest expense | $315,000 | 8,328 |
| Salaries and employee benefits | $178,000 | 8,313 |
| Premises and equipment expense | $50,000 | 7,848 |
| Additional noninterest expense | $87,000 | 8,303 |
| Pre-tax net operating income | $131,000 | 7,492 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $31,000 | 5,554 |
| Income before extraordinary items | $100,000 | 7,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $100,000 | 7,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $40,000 | 4,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $100,000 | 7,540 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $335,000 | 8,152 |
| Total interest expense | $138,000 | 7,783 |
| Net interest income | $197,000 | 8,264 |
| Provision for loan and lease losses | $5,000 | 5,672 |
| Total noninterest income | $33,000 | 7,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $24,000 | 6,271 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $159,000 | 8,334 |
| Salaries and employee benefits | $89,000 | 8,325 |
| Premises and equipment expense | $27,000 | 7,763 |
| Additional noninterest expense | $43,000 | 8,318 |
| Pre-tax net operating income | $66,000 | 7,486 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $17,000 | 5,467 |
| Income before extraordinary items | $49,000 | 7,551 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $49,000 | 7,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $20,000 | 3,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $49,000 | 7,552 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 8,129 |
| Total interest expense | $502,000 | 7,614 |
| Net interest income | $754,000 | 8,272 |
| Provision for loan and lease losses | $14,000 | 6,689 |
| Total noninterest income | $124,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $114,000 | 6,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,416 |
| Total noninterest expense | $655,000 | 8,320 |
| Salaries and employee benefits | $373,000 | 8,294 |
| Premises and equipment expense | $110,000 | 7,752 |
| Additional noninterest expense | $172,000 | 8,388 |
| Pre-tax net operating income | $209,000 | 7,681 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $30,000 | 6,142 |
| Income before extraordinary items | $168,000 | 7,720 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $168,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,965 |
| Cash dividends | $80,000 | 5,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $177,350 | 7,646 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $929,000 | 8,178 |
| Total interest expense | $366,000 | 7,619 |
| Net interest income | $563,000 | 8,329 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $94,000 | 7,750 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 6,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,442 |
| Total noninterest expense | $475,000 | 8,341 |
| Salaries and employee benefits | $258,000 | 8,362 |
| Premises and equipment expense | $84,000 | 7,738 |
| Additional noninterest expense | $133,000 | 8,342 |
| Pre-tax net operating income | $173,000 | 7,738 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $27,000 | 6,133 |
| Income before extraordinary items | $135,000 | 7,777 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $135,000 | 7,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,153 |
| Cash dividends | $60,000 | 4,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $144,130 | 7,699 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $602,000 | 8,212 |
| Total interest expense | $237,000 | 7,606 |
| Net interest income | $365,000 | 8,365 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $65,000 | 7,685 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $312,000 | 8,356 |
| Salaries and employee benefits | $172,000 | 8,383 |
| Premises and equipment expense | $58,000 | 7,689 |
| Additional noninterest expense | $82,000 | 8,418 |
| Pre-tax net operating income | $112,000 | 7,788 |
| Securities gains (losses) | $-5,000 | 7,925 |
| Applicable income taxes | $19,000 | 6,120 |
| Income before extraordinary items | $88,000 | 7,827 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $88,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $40,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $92,100 | 7,751 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $291,000 | 8,306 |
| Total interest expense | $113,000 | 7,670 |
| Net interest income | $178,000 | 8,470 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $33,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $157,000 | 8,429 |
| Salaries and employee benefits | $86,000 | 8,446 |
| Premises and equipment expense | $28,000 | 7,807 |
| Additional noninterest expense | $43,000 | 8,438 |
| Pre-tax net operating income | $51,000 | 7,887 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $41,000 | 7,917 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $41,000 | 7,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $20,000 | 3,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $41,000 | 7,887 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,155,000 | 8,255 |
| Total interest expense | $441,000 | 7,529 |
| Net interest income | $714,000 | 8,421 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $128,000 | 7,815 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $116,000 | 6,239 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,473 |
| Total noninterest expense | $659,000 | 8,393 |
| Salaries and employee benefits | $370,000 | 8,392 |
| Premises and equipment expense | $108,000 | 7,867 |
| Additional noninterest expense | $181,000 | 8,425 |
| Pre-tax net operating income | $171,000 | 7,874 |
| Securities gains (losses) | $-9,000 | 8,207 |
| Applicable income taxes | $11,000 | 6,738 |
| Income before extraordinary items | $151,000 | 7,873 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $151,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $104,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $159,370 | 7,797 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $870,000 | 8,292 |
| Total interest expense | $329,000 | 7,557 |
| Net interest income | $541,000 | 8,450 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $96,000 | 7,856 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $86,000 | 6,282 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $472,000 | 8,455 |
| Salaries and employee benefits | $259,000 | 8,475 |
| Premises and equipment expense | $78,000 | 7,914 |
| Additional noninterest expense | $135,000 | 8,426 |
| Pre-tax net operating income | $156,000 | 7,887 |
| Securities gains (losses) | $-9,000 | 8,488 |
| Applicable income taxes | $15,000 | 6,651 |
| Income before extraordinary items | $132,000 | 7,902 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $132,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $80,000 | 4,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $140,100 | 7,802 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $576,000 | 8,356 |
| Total interest expense | $216,000 | 7,646 |
| Net interest income | $360,000 | 8,500 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $62,000 | 7,920 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $56,000 | 6,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $313,000 | 8,517 |
| Salaries and employee benefits | $172,000 | 8,532 |
| Premises and equipment expense | $52,000 | 7,942 |
| Additional noninterest expense | $89,000 | 8,478 |
| Pre-tax net operating income | $103,000 | 7,901 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $93,000 | 7,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $93,000 | 7,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $50,000 | 4,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $93,000 | 7,784 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $290,000 | 8,399 |
| Total interest expense | $109,000 | 7,695 |
| Net interest income | $181,000 | 8,531 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $155,000 | 8,573 |
| Salaries and employee benefits | $88,000 | 8,549 |
| Premises and equipment expense | $25,000 | 8,017 |
| Additional noninterest expense | $42,000 | 8,582 |
| Pre-tax net operating income | $53,000 | 7,880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $50,000 | 7,783 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $50,000 | 7,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $20,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $50,000 | 7,719 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,215,000 | 8,377 |
| Total interest expense | $476,000 | 7,823 |
| Net interest income | $739,000 | 8,507 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $124,000 | 8,058 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $110,000 | 6,409 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $14,000 | 8,625 |
| Total noninterest expense | $647,000 | 8,556 |
| Salaries and employee benefits | $370,000 | 8,528 |
| Premises and equipment expense | $77,000 | 8,384 |
| Additional noninterest expense | $200,000 | 8,442 |
| Pre-tax net operating income | $204,000 | 7,814 |
| Securities gains (losses) | $56,000 | 2,403 |
| Applicable income taxes | $58,000 | 6,179 |
| Income before extraordinary items | $202,000 | 7,756 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $202,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $48,000 | 5,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $158,320 | 7,850 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $918,000 | 8,462 |
| Total interest expense | $365,000 | 7,932 |
| Net interest income | $553,000 | 8,570 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $91,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $80,000 | 6,507 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,647 |
| Total noninterest expense | $466,000 | 8,616 |
| Salaries and employee benefits | $259,000 | 8,620 |
| Premises and equipment expense | $54,000 | 8,492 |
| Additional noninterest expense | $153,000 | 8,439 |
| Pre-tax net operating income | $169,000 | 7,879 |
| Securities gains (losses) | $57,000 | 2,204 |
| Applicable income taxes | $61,000 | 6,055 |
| Income before extraordinary items | $165,000 | 7,815 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $165,000 | 7,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $48,000 | 5,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $123,390 | 7,941 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $614,000 | 8,515 |
| Total interest expense | $249,000 | 8,017 |
| Net interest income | $365,000 | 8,619 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $55,000 | 8,246 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $50,000 | 6,585 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $286,000 | 8,738 |
| Salaries and employee benefits | $167,000 | 8,679 |
| Premises and equipment expense | $36,000 | 8,500 |
| Additional noninterest expense | $83,000 | 8,698 |
| Pre-tax net operating income | $128,000 | 7,783 |
| Securities gains (losses) | $48,000 | 2,051 |
| Applicable income taxes | $54,000 | 5,837 |
| Income before extraordinary items | $122,000 | 7,731 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $122,000 | 7,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $30,000 | 4,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $88,880 | 7,908 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $312,000 | 8,557 |
| Total interest expense | $127,000 | 8,085 |
| Net interest income | $185,000 | 8,665 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $26,000 | 8,331 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $143,000 | 8,789 |
| Salaries and employee benefits | $84,000 | 8,713 |
| Premises and equipment expense | $19,000 | 8,461 |
| Additional noninterest expense | $40,000 | 8,776 |
| Pre-tax net operating income | $65,000 | 7,750 |
| Securities gains (losses) | $40,000 | 1,513 |
| Applicable income taxes | $36,000 | 5,525 |
| Income before extraordinary items | $69,000 | 7,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 7,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,164 |
| Cash dividends | $12,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $42,600 | 7,902 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 8,549 |
| Total interest expense | $598,000 | 8,101 |
| Net interest income | $742,000 | 8,676 |
| Provision for loan and lease losses | $22,000 | 7,458 |
| Total noninterest income | $383,000 | 5,885 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $114,000 | 6,335 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $269,000 | 4,488 |
| Total noninterest expense | $781,000 | 8,383 |
| Salaries and employee benefits | $428,000 | 8,403 |
| Premises and equipment expense | $94,000 | 8,249 |
| Additional noninterest expense | $259,000 | 8,105 |
| Pre-tax net operating income | $322,000 | 7,464 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $125,000 | 5,738 |
| Income before extraordinary items | $220,000 | 7,731 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $220,000 | 7,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,528 |
| Cash dividends | $24,000 | 6,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $205,280 | 7,713 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,425,000 | 8,802 |
| Total interest expense | $731,000 | 8,571 |
| Net interest income | $694,000 | 8,863 |
| Provision for loan and lease losses | $33,000 | 7,158 |
| Total noninterest income | $137,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $111,000 | 6,380 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $26,000 | 8,488 |
| Total noninterest expense | $741,000 | 8,588 |
| Salaries and employee benefits | $396,000 | 8,645 |
| Premises and equipment expense | $103,000 | 8,251 |
| Additional noninterest expense | $242,000 | 8,289 |
| Pre-tax net operating income | $57,000 | 8,520 |
| Securities gains (losses) | $30,000 | 2,828 |
| Applicable income taxes | $17,000 | 7,390 |
| Income before extraordinary items | $70,000 | 8,502 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $70,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $21,000 | 6,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $46,000 | 8,537 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 9,144 |
| Total interest expense | $728,000 | 8,797 |
| Net interest income | $579,000 | 9,323 |
| Provision for loan and lease losses | $22,000 | 7,551 |
| Total noninterest income | $105,000 | 8,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $517,000 | 9,352 |
| Salaries and employee benefits | $304,000 | 9,233 |
| Premises and equipment expense | $70,000 | 8,983 |
| Additional noninterest expense | $143,000 | 9,293 |
| Pre-tax net operating income | $145,000 | 8,616 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $6,000 | 8,174 |
| Income before extraordinary items | $121,000 | 8,573 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $121,000 | 8,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,868 |
| Cash dividends | $27,000 | 6,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $138,100 | 8,484 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 9,355 |
| Total interest expense | $660,000 | 9,045 |
| Net interest income | $601,000 | 9,509 |
| Provision for loan and lease losses | $21,000 | 7,629 |
| Total noninterest income | $102,000 | 8,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 6,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $532,000 | 9,527 |
| Salaries and employee benefits | $323,000 | 9,339 |
| Premises and equipment expense | $63,000 | 9,372 |
| Additional noninterest expense | $146,000 | 9,543 |
| Pre-tax net operating income | $150,000 | 8,807 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $19,000 | 8,242 |
| Income before extraordinary items | $135,000 | 8,746 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $135,000 | 8,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $39,000 | 6,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $131,480 | 8,736 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 9,612 |
| Total interest expense | $656,000 | 9,320 |
| Net interest income | $581,000 | 9,779 |
| Provision for loan and lease losses | $16,000 | 7,917 |
| Total noninterest income | $99,000 | 9,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,329 |
| Total noninterest expense | $505,000 | 9,765 |
| Salaries and employee benefits | $282,000 | 9,715 |
| Premises and equipment expense | $78,000 | 9,200 |
| Additional noninterest expense | $145,000 | 9,706 |
| Pre-tax net operating income | $159,000 | 9,130 |
| Securities gains (losses) | $19,000 | 2,467 |
| Applicable income taxes | $36,000 | 8,594 |
| Income before extraordinary items | $142,000 | 9,035 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $142,000 | 9,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,292 |
| Cash dividends | $45,000 | 6,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $126,800 | 9,066 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 10,015 |
| Total interest expense | $653,000 | 9,682 |
| Net interest income | $583,000 | 10,219 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $92,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $491,000 | 10,160 |
| Salaries and employee benefits | $269,000 | 10,152 |
| Premises and equipment expense | $78,000 | 9,482 |
| Additional noninterest expense | $144,000 | 10,070 |
| Pre-tax net operating income | $170,000 | 9,741 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $52,000 | 9,232 |
| Income before extraordinary items | $122,000 | 9,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $122,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 10,471 |
| Cash dividends | $39,000 | 7,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $119,200 | 9,796 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,155,000 | 10,582 |
| Total interest expense | $614,000 | 10,235 |
| Net interest income | $541,000 | 10,798 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,870 |
| Total noninterest expense | $478,000 | 10,671 |
| Salaries and employee benefits | $271,000 | 10,570 |
| Premises and equipment expense | $63,000 | 10,274 |
| Additional noninterest expense | $144,000 | 10,616 |
| Pre-tax net operating income | $144,000 | 10,118 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $45,000 | 9,783 |
| Income before extraordinary items | $100,000 | 10,222 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $100,000 | 10,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $99,310 | 10,180 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 11,175 |
| Total interest expense | $523,000 | 10,941 |
| Net interest income | $543,000 | 11,295 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $88,000 | 10,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $443,000 | 11,266 |
| Salaries and employee benefits | $252,000 | 11,140 |
| Premises and equipment expense | $56,000 | 10,906 |
| Additional noninterest expense | $135,000 | 11,244 |
| Pre-tax net operating income | $136,000 | 10,862 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $32,000 | 10,549 |
| Income before extraordinary items | $78,000 | 11,115 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $78,000 | 11,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,173 |
| Cash dividends | $24,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $96,460 | 10,940 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $929,000 | 11,834 |
| Total interest expense | $415,000 | 11,504 |
| Net interest income | $514,000 | 11,962 |
| Provision for loan and lease losses | $47,000 | 6,315 |
| Total noninterest income | $80,000 | 11,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 8,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,207 |
| Total noninterest expense | $412,000 | 11,986 |
| Salaries and employee benefits | $232,000 | 11,822 |
| Premises and equipment expense | $50,000 | 11,639 |
| Additional noninterest expense | $130,000 | 12,021 |
| Pre-tax net operating income | $135,000 | 11,377 |
| Securities gains (losses) | $-36,000 | 10,793 |
| Applicable income taxes | $27,000 | 10,992 |
| Income before extraordinary items | $72,000 | 11,639 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $72,000 | 11,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $98,280 | 11,442 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 12,408 |
| Total interest expense | $407,000 | 12,192 |
| Net interest income | $536,000 | 12,448 |
| Provision for loan and lease losses | $46,000 | 7,689 |
| Total noninterest income | $70,000 | 12,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $444,000 | 12,448 |
| Salaries and employee benefits | $227,000 | 12,396 |
| Premises and equipment expense | $52,000 | 12,143 |
| Additional noninterest expense | $165,000 | 12,216 |
| Pre-tax net operating income | $116,000 | 11,747 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $34,000 | 11,288 |
| Income before extraordinary items | $86,000 | 11,942 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $86,000 | 11,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 6,048 |
| Cash dividends | $34,000 | 8,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $83,120 | 11,797 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,100,000 | 12,837 |
| Total interest expense | $517,000 | 12,690 |
| Net interest income | $583,000 | 12,784 |
| Provision for loan and lease losses | $41,000 | 9,446 |
| Total noninterest income | $79,000 | 12,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 13,414 |
| Total noninterest expense | $426,000 | 13,040 |
| Salaries and employee benefits | $229,000 | 12,842 |
| Premises and equipment expense | $53,000 | 12,576 |
| Additional noninterest expense | $144,000 | 13,046 |
| Pre-tax net operating income | $195,000 | 11,118 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $66,000 | 10,825 |
| Income before extraordinary items | $129,000 | 11,554 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $129,000 | 11,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 7,980 |
| Cash dividends | $28,000 | 8,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $129,000 | 11,237 |
* 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.