Home > The West Michigan Savings Bank > Income and Expense
The West Michigan Savings Bank, Income and Expense
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $254,000 | 6,142 |
| Total interest expense | $16,000 | 6,147 |
| Net interest income | $238,000 | 6,111 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $40,000 | 5,517 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $17,000 | 5,220 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $23,000 | 5,282 |
| Total noninterest expense | $656,000 | 4,713 |
| Salaries and employee benefits | $304,000 | 4,992 |
| Premises and equipment expense | $43,000 | 5,406 |
| Additional noninterest expense | $309,000 | 3,896 |
| Pre-tax net operating income | $-378,000 | 6,348 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $-378,000 | 6,355 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $-378,000 | 6,356 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $-378,000 | 6,356 |
| Net charge-offs | $-10,000 | 5,418 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-378,000 | 6,350 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 6,139 |
| Total interest expense | $88,000 | 6,121 |
| Net interest income | $1,087,000 | 6,117 |
| Provision for loan and lease losses | $57,000 | 3,693 |
| Total noninterest income | $71,000 | 6,145 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $52,000 | 5,681 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $19,000 | 6,056 |
| Total noninterest expense | $1,588,000 | 5,611 |
| Salaries and employee benefits | $620,000 | 5,967 |
| Premises and equipment expense | $76,000 | 6,196 |
| Additional noninterest expense | $892,000 | 4,698 |
| Pre-tax net operating income | $-487,000 | 6,290 |
| Securities gains (losses) | $31,000 | 2,055 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $-456,000 | 6,293 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-456,000 | 6,293 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-456,000 | 6,293 |
| Net charge-offs | $51,000 | 3,751 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-487,000 | 6,294 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $875,000 | 6,213 |
| Total interest expense | $70,000 | 6,173 |
| Net interest income | $805,000 | 6,193 |
| Provision for loan and lease losses | $57,000 | 3,304 |
| Total noninterest income | $51,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $14,000 | 6,227 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $37,000 | 5,811 |
| Total noninterest expense | $1,164,000 | 5,674 |
| Salaries and employee benefits | $454,000 | 6,039 |
| Premises and equipment expense | $53,000 | 6,292 |
| Additional noninterest expense | $657,000 | 4,740 |
| Pre-tax net operating income | $-365,000 | 6,362 |
| Securities gains (losses) | $31,000 | 1,754 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $-334,000 | 6,365 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-334,000 | 6,364 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-334,000 | 6,364 |
| Net charge-offs | $46,000 | 3,324 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-365,000 | 6,369 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $607,000 | 6,245 |
| Total interest expense | $52,000 | 6,168 |
| Net interest income | $555,000 | 6,226 |
| Provision for loan and lease losses | $35,000 | 3,255 |
| Total noninterest income | $20,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $9,000 | 6,279 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $11,000 | 6,166 |
| Total noninterest expense | $748,000 | 5,770 |
| Salaries and employee benefits | $296,000 | 6,114 |
| Premises and equipment expense | $33,000 | 6,371 |
| Additional noninterest expense | $419,000 | 4,866 |
| Pre-tax net operating income | $-208,000 | 6,403 |
| Securities gains (losses) | $8,000 | 2,026 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-200,000 | 6,413 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-200,000 | 6,414 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-200,000 | 6,415 |
| Net charge-offs | $30,000 | 3,174 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-208,000 | 6,409 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $291,000 | 6,337 |
| Total interest expense | $28,000 | 6,202 |
| Net interest income | $263,000 | 6,322 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $-7,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $4,000 | 6,347 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $-11,000 | 6,574 |
| Total noninterest expense | $354,000 | 5,907 |
| Salaries and employee benefits | $136,000 | 6,254 |
| Premises and equipment expense | $20,000 | 6,354 |
| Additional noninterest expense | $198,000 | 5,028 |
| Pre-tax net operating income | $-98,000 | 6,441 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-98,000 | 6,449 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-98,000 | 6,449 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-98,000 | 6,450 |
| Net charge-offs | $0 | 3,660 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-98,000 | 6,443 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 6,386 |
| Total interest expense | $132,000 | 6,265 |
| Net interest income | $1,077,000 | 6,372 |
| Provision for loan and lease losses | $104,000 | 3,657 |
| Total noninterest income | $132,000 | 6,005 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $54,000 | 5,912 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $78,000 | 5,576 |
| Total noninterest expense | $1,304,000 | 6,079 |
| Salaries and employee benefits | $601,000 | 6,239 |
| Premises and equipment expense | $83,000 | 6,412 |
| Additional noninterest expense | $620,000 | 5,528 |
| Pre-tax net operating income | $-199,000 | 6,363 |
| Securities gains (losses) | $69,000 | 1,580 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-130,000 | 6,360 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-130,000 | 6,361 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-130,000 | 6,362 |
| Net charge-offs | $133,000 | 3,454 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-199,000 | 6,381 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $904,000 | 6,463 |
| Total interest expense | $102,000 | 6,336 |
| Net interest income | $802,000 | 6,448 |
| Provision for loan and lease losses | $8,000 | 4,778 |
| Total noninterest income | $100,000 | 6,076 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $41,000 | 5,967 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $59,000 | 5,662 |
| Total noninterest expense | $937,000 | 6,162 |
| Salaries and employee benefits | $467,000 | 6,244 |
| Premises and equipment expense | $56,000 | 6,538 |
| Additional noninterest expense | $414,000 | 5,734 |
| Pre-tax net operating income | $-43,000 | 6,351 |
| Securities gains (losses) | $9,000 | 2,535 |
| Applicable income taxes | $-10,000 | 6,529 |
| Income before extraordinary items | $-24,000 | 6,381 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-24,000 | 6,383 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-24,000 | 6,382 |
| Net charge-offs | $43,000 | 3,966 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-30,390 | 6,352 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $607,000 | 6,504 |
| Total interest expense | $71,000 | 6,364 |
| Net interest income | $536,000 | 6,486 |
| Provision for loan and lease losses | $8,000 | 4,574 |
| Total noninterest income | $70,000 | 6,052 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $28,000 | 5,967 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $42,000 | 5,632 |
| Total noninterest expense | $612,000 | 6,222 |
| Salaries and employee benefits | $320,000 | 6,246 |
| Premises and equipment expense | $30,000 | 6,662 |
| Additional noninterest expense | $262,000 | 5,823 |
| Pre-tax net operating income | $-14,000 | 6,342 |
| Securities gains (losses) | $4,000 | 2,503 |
| Applicable income taxes | $-4,000 | 6,560 |
| Income before extraordinary items | $-6,000 | 6,382 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-6,000 | 6,384 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-6,000 | 6,384 |
| Net charge-offs | $45,000 | 3,434 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-8,560 | 6,335 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $302,000 | 6,560 |
| Total interest expense | $36,000 | 6,433 |
| Net interest income | $266,000 | 6,547 |
| Provision for loan and lease losses | $8,000 | 4,080 |
| Total noninterest income | $36,000 | 6,033 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $12,000 | 6,102 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $24,000 | 5,533 |
| Total noninterest expense | $308,000 | 6,289 |
| Salaries and employee benefits | $156,000 | 6,342 |
| Premises and equipment expense | $16,000 | 6,693 |
| Additional noninterest expense | $136,000 | 5,827 |
| Pre-tax net operating income | $-14,000 | 6,420 |
| Securities gains (losses) | $2,000 | 1,785 |
| Applicable income taxes | $-3,000 | 6,697 |
| Income before extraordinary items | $-9,000 | 6,462 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-9,000 | 6,463 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-9,000 | 6,463 |
| Net charge-offs | $42,000 | 2,538 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-10,500 | 6,409 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,314,000 | 6,602 |
| Total interest expense | $165,000 | 6,560 |
| Net interest income | $1,149,000 | 6,582 |
| Provision for loan and lease losses | $15,000 | 5,669 |
| Total noninterest income | $77,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $54,000 | 6,155 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $23,000 | 6,224 |
| Total noninterest expense | $1,268,000 | 6,336 |
| Salaries and employee benefits | $683,000 | 6,304 |
| Premises and equipment expense | $88,000 | 6,619 |
| Additional noninterest expense | $497,000 | 6,077 |
| Pre-tax net operating income | $-57,000 | 6,242 |
| Securities gains (losses) | $16,000 | 3,242 |
| Applicable income taxes | $-53,000 | 6,647 |
| Income before extraordinary items | $12,000 | 6,285 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $12,000 | 6,278 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $12,000 | 6,280 |
| Net charge-offs | $35,000 | 5,132 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,760 | 6,164 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $984,000 | 6,701 |
| Total interest expense | $127,000 | 6,674 |
| Net interest income | $857,000 | 6,676 |
| Provision for loan and lease losses | $15,000 | 5,485 |
| Total noninterest income | $53,000 | 6,627 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $40,000 | 6,238 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $13,000 | 6,438 |
| Total noninterest expense | $921,000 | 6,431 |
| Salaries and employee benefits | $505,000 | 6,381 |
| Premises and equipment expense | $57,000 | 6,792 |
| Additional noninterest expense | $359,000 | 6,182 |
| Pre-tax net operating income | $-26,000 | 6,329 |
| Securities gains (losses) | $15,000 | 2,991 |
| Applicable income taxes | $-52,000 | 6,854 |
| Income before extraordinary items | $41,000 | 6,302 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $41,000 | 6,300 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $41,000 | 6,301 |
| Net charge-offs | $40,000 | 4,670 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $31,400 | 6,196 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $649,000 | 6,771 |
| Total interest expense | $86,000 | 6,743 |
| Net interest income | $563,000 | 6,743 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $1,000 | 6,980 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $11,000 | 6,769 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-10,000 | 6,837 |
| Total noninterest expense | $614,000 | 6,478 |
| Salaries and employee benefits | $338,000 | 6,426 |
| Premises and equipment expense | $33,000 | 6,911 |
| Additional noninterest expense | $243,000 | 6,208 |
| Pre-tax net operating income | $-50,000 | 6,445 |
| Securities gains (losses) | $15,000 | 2,605 |
| Applicable income taxes | $-11,000 | 6,837 |
| Income before extraordinary items | $-24,000 | 6,516 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-24,000 | 6,516 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-24,000 | 6,516 |
| Net charge-offs | $23,000 | 4,558 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-34,350 | 6,430 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $327,000 | 6,830 |
| Total interest expense | $43,000 | 6,827 |
| Net interest income | $284,000 | 6,787 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $9,000 | 6,942 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $13,000 | 6,301 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-4,000 | 6,940 |
| Total noninterest expense | $308,000 | 6,540 |
| Salaries and employee benefits | $171,000 | 6,456 |
| Premises and equipment expense | $19,000 | 6,878 |
| Additional noninterest expense | $118,000 | 6,284 |
| Pre-tax net operating income | $-15,000 | 6,505 |
| Securities gains (losses) | $2,000 | 2,023 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-13,000 | 6,593 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-13,000 | 6,593 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-13,000 | 6,593 |
| Net charge-offs | $15,000 | 3,852 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-15,000 | 6,508 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 6,820 |
| Total interest expense | $208,000 | 6,878 |
| Net interest income | $1,214,000 | 6,766 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $173,000 | 5,891 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $58,000 | 6,200 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $115,000 | 5,170 |
| Total noninterest expense | $1,269,000 | 6,556 |
| Salaries and employee benefits | $683,000 | 6,515 |
| Premises and equipment expense | $85,000 | 6,933 |
| Additional noninterest expense | $501,000 | 6,284 |
| Pre-tax net operating income | $118,000 | 5,707 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $12,000 | 4,266 |
| Income before extraordinary items | $107,000 | 5,850 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $107,000 | 5,852 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $107,000 | 5,852 |
| Net charge-offs | $-25,000 | 7,114 |
| Cash dividends | $180,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $106,100 | 5,741 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 6,887 |
| Total interest expense | $159,000 | 6,960 |
| Net interest income | $910,000 | 6,827 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $142,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $43,000 | 6,245 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $99,000 | 5,104 |
| Total noninterest expense | $938,000 | 6,608 |
| Salaries and employee benefits | $506,000 | 6,554 |
| Premises and equipment expense | $55,000 | 7,076 |
| Additional noninterest expense | $377,000 | 6,314 |
| Pre-tax net operating income | $114,000 | 5,754 |
| Securities gains (losses) | $1,000 | 3,451 |
| Applicable income taxes | $12,000 | 4,209 |
| Income before extraordinary items | $103,000 | 5,881 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 5,882 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $103,000 | 5,882 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $90,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $102,100 | 5,767 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $716,000 | 6,944 |
| Total interest expense | $107,000 | 7,038 |
| Net interest income | $609,000 | 6,877 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $103,000 | 5,822 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $29,000 | 6,234 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 5,003 |
| Total noninterest expense | $611,000 | 6,708 |
| Salaries and employee benefits | $342,000 | 6,589 |
| Premises and equipment expense | $29,000 | 7,255 |
| Additional noninterest expense | $240,000 | 6,445 |
| Pre-tax net operating income | $101,000 | 5,683 |
| Securities gains (losses) | $1,000 | 2,791 |
| Applicable income taxes | $16,000 | 3,930 |
| Income before extraordinary items | $86,000 | 5,789 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $86,000 | 5,788 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $86,000 | 5,789 |
| Net charge-offs | $-1,000 | 6,559 |
| Cash dividends | $90,000 | 2,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $85,160 | 5,715 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $362,000 | 6,980 |
| Total interest expense | $57,000 | 7,076 |
| Net interest income | $305,000 | 6,904 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $93,000 | 5,033 |
| 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 | $78,000 | 3,953 |
| Total noninterest expense | $294,000 | 6,813 |
| Salaries and employee benefits | $163,000 | 6,697 |
| Premises and equipment expense | $13,000 | 7,340 |
| Additional noninterest expense | $118,000 | 6,519 |
| Pre-tax net operating income | $104,000 | 5,089 |
| Securities gains (losses) | $1,000 | 1,662 |
| Applicable income taxes | $16,000 | 3,560 |
| Income before extraordinary items | $89,000 | 5,167 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $89,000 | 5,165 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $89,000 | 5,167 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $88,150 | 5,113 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 7,093 |
| Total interest expense | $290,000 | 7,085 |
| Net interest income | $1,153,000 | 7,016 |
| Provision for loan and lease losses | $67,000 | 6,297 |
| Total noninterest income | $148,000 | 6,297 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $80,000 | 5,772 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $68,000 | 5,840 |
| Total noninterest expense | $1,284,000 | 6,764 |
| Salaries and employee benefits | $697,000 | 6,692 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $507,000 | 6,478 |
| Pre-tax net operating income | $-50,000 | 5,873 |
| Securities gains (losses) | $20,000 | 3,102 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-30,000 | 5,999 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-30,000 | 5,999 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-30,000 | 5,999 |
| Net charge-offs | $78,000 | 5,624 |
| Cash dividends | $180,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-50,000 | 5,931 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 7,197 |
| Total interest expense | $224,000 | 7,190 |
| Net interest income | $861,000 | 7,123 |
| Provision for loan and lease losses | $67,000 | 6,059 |
| Total noninterest income | $101,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $62,000 | 5,806 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $39,000 | 6,224 |
| Total noninterest expense | $935,000 | 6,868 |
| Salaries and employee benefits | $523,000 | 6,734 |
| Premises and equipment expense | $56,000 | 7,358 |
| Additional noninterest expense | $356,000 | 6,646 |
| Pre-tax net operating income | $-40,000 | 6,063 |
| Securities gains (losses) | $21,000 | 2,864 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-19,000 | 6,175 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-19,000 | 6,176 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-19,000 | 6,176 |
| Net charge-offs | $71,000 | 5,240 |
| Cash dividends | $90,000 | 3,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-40,000 | 6,096 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $715,000 | 7,272 |
| Total interest expense | $150,000 | 7,278 |
| Net interest income | $565,000 | 7,191 |
| Provision for loan and lease losses | $68,000 | 5,513 |
| Total noninterest income | $65,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $40,000 | 5,874 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $25,000 | 6,306 |
| Total noninterest expense | $629,000 | 6,903 |
| Salaries and employee benefits | $348,000 | 6,791 |
| Premises and equipment expense | $29,000 | 7,547 |
| Additional noninterest expense | $252,000 | 6,594 |
| Pre-tax net operating income | $-67,000 | 6,208 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-67,000 | 6,348 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-67,000 | 6,350 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-67,000 | 6,348 |
| Net charge-offs | $77,000 | 4,511 |
| Cash dividends | $90,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-67,000 | 6,262 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $348,000 | 7,400 |
| Total interest expense | $75,000 | 7,384 |
| Net interest income | $273,000 | 7,312 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $32,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $20,000 | 5,909 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $12,000 | 6,461 |
| Total noninterest expense | $320,000 | 6,963 |
| Salaries and employee benefits | $168,000 | 6,944 |
| Premises and equipment expense | $16,000 | 7,572 |
| Additional noninterest expense | $136,000 | 6,517 |
| Pre-tax net operating income | $-15,000 | 6,352 |
| Securities gains (losses) | $1,000 | 2,151 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-14,000 | 6,468 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-14,000 | 6,470 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-14,000 | 6,469 |
| Net charge-offs | $36,000 | 3,999 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-15,000 | 6,380 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 7,398 |
| Total interest expense | $411,000 | 7,332 |
| Net interest income | $1,122,000 | 7,324 |
| Provision for loan and lease losses | $25,000 | 7,123 |
| Total noninterest income | $142,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $90,000 | 5,891 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $52,000 | 6,324 |
| Total noninterest expense | $1,260,000 | 7,078 |
| Salaries and employee benefits | $706,000 | 6,953 |
| Premises and equipment expense | $94,000 | 7,437 |
| Additional noninterest expense | $460,000 | 6,918 |
| Pre-tax net operating income | $-21,000 | 5,459 |
| Securities gains (losses) | $39,000 | 2,759 |
| Applicable income taxes | $-77,000 | 6,520 |
| Income before extraordinary items | $95,000 | 5,180 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $95,000 | 5,180 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $95,000 | 5,180 |
| Net charge-offs | $30,000 | 6,500 |
| Cash dividends | $180,000 | 3,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $56,000 | 5,267 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,144,000 | 7,492 |
| Total interest expense | $325,000 | 7,390 |
| Net interest income | $819,000 | 7,409 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $105,000 | 6,781 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $67,000 | 5,944 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $38,000 | 6,511 |
| Total noninterest expense | $942,000 | 7,129 |
| Salaries and employee benefits | $533,000 | 6,972 |
| Premises and equipment expense | $63,000 | 7,584 |
| Additional noninterest expense | $346,000 | 6,935 |
| Pre-tax net operating income | $-18,000 | 5,717 |
| Securities gains (losses) | $2,000 | 3,313 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-16,000 | 5,815 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-16,000 | 5,815 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-16,000 | 5,815 |
| Net charge-offs | $31,000 | 6,007 |
| Cash dividends | $90,000 | 3,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-18,000 | 5,759 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $761,000 | 7,561 |
| Total interest expense | $223,000 | 7,466 |
| Net interest income | $538,000 | 7,461 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $70,000 | 6,832 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $44,000 | 5,974 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $26,000 | 6,546 |
| Total noninterest expense | $594,000 | 7,266 |
| Salaries and employee benefits | $353,000 | 7,060 |
| Premises and equipment expense | $37,000 | 7,753 |
| Additional noninterest expense | $204,000 | 7,145 |
| Pre-tax net operating income | $14,000 | 5,718 |
| Securities gains (losses) | $2,000 | 2,937 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $16,000 | 5,824 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 5,822 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $16,000 | 5,822 |
| Net charge-offs | $31,000 | 5,317 |
| Cash dividends | $90,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $14,000 | 5,742 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $378,000 | 7,628 |
| Total interest expense | $113,000 | 7,542 |
| Net interest income | $265,000 | 7,519 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $35,000 | 6,851 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $22,000 | 5,942 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $297,000 | 7,290 |
| Salaries and employee benefits | $176,000 | 7,107 |
| Premises and equipment expense | $20,000 | 7,727 |
| Additional noninterest expense | $101,000 | 7,077 |
| Pre-tax net operating income | $3,000 | 6,196 |
| Securities gains (losses) | $2,000 | 2,230 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $5,000 | 6,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,000 | 6,345 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $5,000 | 6,345 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,000 | 6,218 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,643,000 | 7,579 |
| Total interest expense | $483,000 | 7,701 |
| Net interest income | $1,160,000 | 7,409 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $151,000 | 6,880 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $102,000 | 5,877 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $49,000 | 6,777 |
| Total noninterest expense | $1,207,000 | 7,255 |
| Salaries and employee benefits | $684,000 | 7,197 |
| Premises and equipment expense | $100,000 | 7,622 |
| Additional noninterest expense | $423,000 | 6,945 |
| Pre-tax net operating income | $104,000 | 6,006 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $106,000 | 5,842 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $106,000 | 5,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,325 |
| Cash dividends | $250,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $104,000 | 5,995 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,246,000 | 7,649 |
| Total interest expense | $374,000 | 7,786 |
| Net interest income | $872,000 | 7,478 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $112,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $76,000 | 5,918 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $36,000 | 6,941 |
| Total noninterest expense | $881,000 | 7,321 |
| Salaries and employee benefits | $514,000 | 7,201 |
| Premises and equipment expense | $69,000 | 7,742 |
| Additional noninterest expense | $298,000 | 7,067 |
| Pre-tax net operating income | $103,000 | 6,393 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $104,000 | 6,164 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $104,000 | 6,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,241 |
| Cash dividends | $90,000 | 4,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $103,000 | 6,323 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $839,000 | 7,707 |
| Total interest expense | $260,000 | 7,852 |
| Net interest income | $579,000 | 7,510 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $71,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $48,000 | 6,011 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $23,000 | 7,064 |
| Total noninterest expense | $581,000 | 7,398 |
| Salaries and employee benefits | $341,000 | 7,288 |
| Premises and equipment expense | $41,000 | 7,863 |
| Additional noninterest expense | $199,000 | 7,066 |
| Pre-tax net operating income | $69,000 | 6,574 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $70,000 | 6,550 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 6,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $90,000 | 4,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $69,000 | 6,496 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,754 |
| Total interest expense | $132,000 | 7,919 |
| Net interest income | $300,000 | 7,495 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $35,000 | 7,145 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $23,000 | 6,062 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $287,000 | 7,457 |
| Salaries and employee benefits | $168,000 | 7,344 |
| Premises and equipment expense | $23,000 | 7,808 |
| Additional noninterest expense | $96,000 | 7,139 |
| Pre-tax net operating income | $48,000 | 6,641 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $49,000 | 6,591 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $49,000 | 6,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $48,000 | 6,510 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,721,000 | 7,756 |
| Total interest expense | $444,000 | 8,029 |
| Net interest income | $1,277,000 | 7,404 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $141,000 | 7,209 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $94,000 | 6,098 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $47,000 | 7,155 |
| Total noninterest expense | $1,156,000 | 7,431 |
| Salaries and employee benefits | $664,000 | 7,358 |
| Premises and equipment expense | $124,000 | 7,495 |
| Additional noninterest expense | $368,000 | 7,209 |
| Pre-tax net operating income | $262,000 | 6,705 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $20,000 | 5,425 |
| Income before extraordinary items | $243,000 | 6,633 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $243,000 | 6,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,067 |
| Cash dividends | $250,000 | 4,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $242,080 | 6,621 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,293,000 | 7,796 |
| Total interest expense | $316,000 | 8,110 |
| Net interest income | $977,000 | 7,424 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $106,000 | 7,252 |
| 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 | $34,000 | 7,219 |
| Total noninterest expense | $846,000 | 7,448 |
| Salaries and employee benefits | $485,000 | 7,385 |
| Premises and equipment expense | $93,000 | 7,488 |
| Additional noninterest expense | $268,000 | 7,249 |
| Pre-tax net operating income | $237,000 | 6,810 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $30,000 | 5,257 |
| Income before extraordinary items | $208,000 | 6,772 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $208,000 | 6,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,959 |
| Cash dividends | $90,000 | 4,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $207,130 | 6,762 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $849,000 | 7,864 |
| Total interest expense | $201,000 | 8,200 |
| Net interest income | $648,000 | 7,504 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $68,000 | 7,336 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $21,000 | 7,329 |
| Total noninterest expense | $556,000 | 7,530 |
| Salaries and employee benefits | $320,000 | 7,449 |
| Premises and equipment expense | $58,000 | 7,612 |
| Additional noninterest expense | $178,000 | 7,279 |
| Pre-tax net operating income | $160,000 | 6,895 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $25,000 | 5,215 |
| Income before extraordinary items | $136,000 | 6,854 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $136,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,008 |
| Cash dividends | $90,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $135,160 | 6,853 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $423,000 | 7,921 |
| Total interest expense | $99,000 | 8,250 |
| Net interest income | $324,000 | 7,526 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $33,000 | 7,359 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $278,000 | 7,564 |
| Salaries and employee benefits | $158,000 | 7,519 |
| Premises and equipment expense | $28,000 | 7,677 |
| Additional noninterest expense | $92,000 | 7,237 |
| Pre-tax net operating income | $79,000 | 6,933 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $68,000 | 6,897 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $68,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,237 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $67,150 | 6,894 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 7,913 |
| Total interest expense | $313,000 | 8,278 |
| Net interest income | $1,220,000 | 7,561 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $127,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $89,000 | 6,301 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 7,516 |
| Total noninterest expense | $1,194,000 | 7,395 |
| Salaries and employee benefits | $678,000 | 7,345 |
| Premises and equipment expense | $127,000 | 7,528 |
| Additional noninterest expense | $389,000 | 7,123 |
| Pre-tax net operating income | $153,000 | 7,547 |
| Securities gains (losses) | $-28,000 | 7,691 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $125,000 | 7,579 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $125,000 | 7,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,595 |
| Cash dividends | $250,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $153,000 | 7,470 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 7,993 |
| Total interest expense | $220,000 | 8,351 |
| Net interest income | $907,000 | 7,635 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $95,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $68,000 | 6,352 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,623 |
| Total noninterest expense | $896,000 | 7,395 |
| Salaries and employee benefits | $514,000 | 7,311 |
| Premises and equipment expense | $89,000 | 7,616 |
| Additional noninterest expense | $293,000 | 7,130 |
| Pre-tax net operating income | $106,000 | 7,783 |
| Securities gains (losses) | $-28,000 | 7,963 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $78,000 | 7,837 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $78,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $90,000 | 4,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $106,000 | 7,693 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $739,000 | 8,028 |
| Total interest expense | $139,000 | 8,390 |
| Net interest income | $600,000 | 7,703 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $65,000 | 7,601 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $48,000 | 6,300 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 7,713 |
| Total noninterest expense | $601,000 | 7,420 |
| Salaries and employee benefits | $342,000 | 7,351 |
| Premises and equipment expense | $54,000 | 7,758 |
| Additional noninterest expense | $205,000 | 7,052 |
| Pre-tax net operating income | $64,000 | 7,887 |
| Securities gains (losses) | $-28,000 | 8,198 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $36,000 | 7,995 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $36,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $90,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $64,000 | 7,813 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $368,000 | 8,039 |
| Total interest expense | $67,000 | 8,416 |
| Net interest income | $301,000 | 7,698 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $34,000 | 7,527 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $26,000 | 6,158 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $306,000 | 7,394 |
| Salaries and employee benefits | $165,000 | 7,455 |
| Premises and equipment expense | $28,000 | 7,712 |
| Additional noninterest expense | $113,000 | 6,790 |
| Pre-tax net operating income | $29,000 | 7,937 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $29,000 | 7,854 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $29,000 | 7,850 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,445,000 | 7,951 |
| Total interest expense | $231,000 | 8,377 |
| Net interest income | $1,214,000 | 7,666 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $138,000 | 7,596 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $90,000 | 6,427 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $48,000 | 7,428 |
| Total noninterest expense | $1,134,000 | 7,511 |
| Salaries and employee benefits | $654,000 | 7,425 |
| Premises and equipment expense | $120,000 | 7,644 |
| Additional noninterest expense | $360,000 | 7,310 |
| Pre-tax net operating income | $218,000 | 7,648 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $23,000 | 6,273 |
| Income before extraordinary items | $195,000 | 7,615 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $195,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,191 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $195,000 | 7,580 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 7,985 |
| Total interest expense | $167,000 | 8,396 |
| Net interest income | $905,000 | 7,721 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $100,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $68,000 | 6,457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $32,000 | 7,572 |
| Total noninterest expense | $832,000 | 7,550 |
| Salaries and employee benefits | $490,000 | 7,409 |
| Premises and equipment expense | $87,000 | 7,688 |
| Additional noninterest expense | $255,000 | 7,408 |
| Pre-tax net operating income | $173,000 | 7,738 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $40,000 | 5,934 |
| Income before extraordinary items | $133,000 | 7,792 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $133,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $90,000 | 4,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $133,000 | 7,749 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $695,000 | 8,028 |
| Total interest expense | $108,000 | 8,404 |
| Net interest income | $587,000 | 7,773 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $62,000 | 7,736 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $41,000 | 6,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $549,000 | 7,581 |
| Salaries and employee benefits | $325,000 | 7,426 |
| Premises and equipment expense | $55,000 | 7,750 |
| Additional noninterest expense | $169,000 | 7,410 |
| Pre-tax net operating income | $100,000 | 7,849 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $13,000 | 6,301 |
| Income before extraordinary items | $87,000 | 7,836 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $87,000 | 7,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $87,000 | 7,794 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $341,000 | 8,103 |
| Total interest expense | $52,000 | 8,485 |
| Net interest income | $289,000 | 7,859 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $31,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $21,000 | 6,536 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $275,000 | 7,626 |
| Salaries and employee benefits | $160,000 | 7,505 |
| Premises and equipment expense | $29,000 | 7,764 |
| Additional noninterest expense | $86,000 | 7,444 |
| Pre-tax net operating income | $45,000 | 7,959 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| 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 | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| 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 | $1,418,000 | 7,992 |
| Total interest expense | $224,000 | 8,383 |
| Net interest income | $1,194,000 | 7,747 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $143,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $98,000 | 6,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $45,000 | 7,534 |
| Total noninterest expense | $1,112,000 | 7,599 |
| Salaries and employee benefits | $632,000 | 7,537 |
| Premises and equipment expense | $136,000 | 7,491 |
| Additional noninterest expense | $344,000 | 7,443 |
| Pre-tax net operating income | $225,000 | 7,694 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $29,000 | 6,371 |
| Income before extraordinary items | $199,000 | 7,657 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $199,000 | 7,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,414 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $196,390 | 7,631 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 8,015 |
| Total interest expense | $173,000 | 8,402 |
| Net interest income | $899,000 | 7,779 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $107,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $73,000 | 6,569 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $816,000 | 7,615 |
| Salaries and employee benefits | $470,000 | 7,500 |
| Premises and equipment expense | $99,000 | 7,547 |
| Additional noninterest expense | $247,000 | 7,523 |
| Pre-tax net operating income | $190,000 | 7,745 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $41,000 | 6,091 |
| Income before extraordinary items | $153,000 | 7,756 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $153,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,395 |
| Cash dividends | $90,000 | 4,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $149,840 | 7,740 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $679,000 | 8,149 |
| Total interest expense | $121,000 | 8,413 |
| Net interest income | $558,000 | 7,939 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $71,000 | 7,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $48,000 | 6,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $535,000 | 7,682 |
| Salaries and employee benefits | $315,000 | 7,547 |
| Premises and equipment expense | $57,000 | 7,822 |
| Additional noninterest expense | $163,000 | 7,566 |
| Pre-tax net operating income | $94,000 | 7,963 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $11,000 | 6,615 |
| Income before extraordinary items | $86,000 | 7,920 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 7,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $90,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $83,330 | 7,882 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $348,000 | 8,146 |
| Total interest expense | $64,000 | 8,416 |
| Net interest income | $284,000 | 7,947 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $34,000 | 7,816 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $272,000 | 7,704 |
| Salaries and employee benefits | $153,000 | 7,649 |
| Premises and equipment expense | $30,000 | 7,774 |
| Additional noninterest expense | $89,000 | 7,409 |
| Pre-tax net operating income | $46,000 | 7,970 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $45,000 | 7,876 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $45,000 | 7,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $45,000 | 7,813 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,471,000 | 8,103 |
| Total interest expense | $321,000 | 8,393 |
| Net interest income | $1,150,000 | 7,885 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $153,000 | 7,778 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $112,000 | 6,376 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $41,000 | 7,788 |
| Total noninterest expense | $1,186,000 | 7,496 |
| Salaries and employee benefits | $698,000 | 7,301 |
| Premises and equipment expense | $131,000 | 7,650 |
| Additional noninterest expense | $357,000 | 7,401 |
| Pre-tax net operating income | $117,000 | 8,136 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-29,000 | 8,831 |
| Income before extraordinary items | $146,000 | 8,028 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $146,000 | 8,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $146,000 | 7,904 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 8,192 |
| Total interest expense | $254,000 | 8,458 |
| Net interest income | $854,000 | 7,972 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $87,000 | 6,376 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 7,787 |
| Total noninterest expense | $878,000 | 7,526 |
| Salaries and employee benefits | $528,000 | 7,251 |
| Premises and equipment expense | $94,000 | 7,751 |
| Additional noninterest expense | $256,000 | 7,504 |
| Pre-tax net operating income | $95,000 | 8,255 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-28,000 | 8,978 |
| Income before extraordinary items | $123,000 | 8,076 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $123,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,826 |
| Cash dividends | $90,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $123,000 | 7,942 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $742,000 | 8,232 |
| Total interest expense | $182,000 | 8,460 |
| Net interest income | $560,000 | 8,033 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $78,000 | 7,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $58,000 | 6,356 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $585,000 | 7,530 |
| Salaries and employee benefits | $352,000 | 7,269 |
| Premises and equipment expense | $60,000 | 7,826 |
| Additional noninterest expense | $173,000 | 7,484 |
| Pre-tax net operating income | $53,000 | 8,354 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-40,000 | 9,065 |
| Income before extraordinary items | $93,000 | 8,026 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $93,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $90,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $93,000 | 7,861 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 8,253 |
| Total interest expense | $97,000 | 8,461 |
| Net interest income | $284,000 | 8,042 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $38,000 | 7,830 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $310,000 | 7,436 |
| Salaries and employee benefits | $178,000 | 7,269 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $99,000 | 7,172 |
| Pre-tax net operating income | $12,000 | 8,560 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-4,000 | 9,021 |
| Income before extraordinary items | $16,000 | 8,542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 8,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $16,000 | 8,428 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 8,231 |
| Total interest expense | $465,000 | 8,480 |
| Net interest income | $1,172,000 | 7,992 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $142,000 | 7,921 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $105,000 | 6,494 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 7,965 |
| Total noninterest expense | $1,140,000 | 7,614 |
| Salaries and employee benefits | $689,000 | 7,319 |
| Premises and equipment expense | $96,000 | 8,225 |
| Additional noninterest expense | $355,000 | 7,440 |
| Pre-tax net operating income | $174,000 | 8,032 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $24,000 | 6,951 |
| Income before extraordinary items | $154,000 | 8,068 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $154,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,953 |
| Cash dividends | $250,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $150,520 | 7,983 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 8,303 |
| Total interest expense | $806,000 | 8,419 |
| Net interest income | $1,112,000 | 8,061 |
| Provision for loan and lease losses | $157,000 | 4,689 |
| Total noninterest income | $144,000 | 7,924 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $110,000 | 6,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $1,101,000 | 7,680 |
| Salaries and employee benefits | $636,000 | 7,496 |
| Premises and equipment expense | $98,000 | 8,339 |
| Additional noninterest expense | $367,000 | 7,376 |
| Pre-tax net operating income | $-2,000 | 8,738 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $-30,000 | 9,089 |
| Income before extraordinary items | $35,000 | 8,672 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $35,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 2,035 |
| Cash dividends | $250,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $28,000 | 8,610 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,048,000 | 8,361 |
| Total interest expense | $790,000 | 8,671 |
| Net interest income | $1,258,000 | 7,944 |
| Provision for loan and lease losses | $275,000 | 3,040 |
| Total noninterest income | $203,000 | 7,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $1,060,000 | 7,845 |
| Salaries and employee benefits | $588,000 | 7,757 |
| Premises and equipment expense | $100,000 | 8,440 |
| Additional noninterest expense | $372,000 | 7,390 |
| Pre-tax net operating income | $126,000 | 8,709 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $11,000 | 8,049 |
| Income before extraordinary items | $115,000 | 8,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $115,000 | 8,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $250,000 | 4,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $115,000 | 8,607 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,007,000 | 8,493 |
| Total interest expense | $733,000 | 8,873 |
| Net interest income | $1,274,000 | 8,045 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $167,000 | 7,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,350 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,163 |
| Total noninterest expense | $1,009,000 | 8,103 |
| Salaries and employee benefits | $580,000 | 7,866 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $328,000 | 7,888 |
| Pre-tax net operating income | $432,000 | 7,443 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $98,000 | 6,945 |
| Income before extraordinary items | $334,000 | 7,375 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $334,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $250,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $334,000 | 7,348 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 8,657 |
| Total interest expense | $725,000 | 9,138 |
| Net interest income | $1,298,000 | 8,127 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $71,000 | 9,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 8,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,704 |
| Total noninterest expense | $989,000 | 8,145 |
| Salaries and employee benefits | $577,000 | 7,885 |
| Premises and equipment expense | $90,000 | 8,926 |
| Additional noninterest expense | $322,000 | 7,914 |
| Pre-tax net operating income | $380,000 | 7,981 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $101,000 | 7,520 |
| Income before extraordinary items | $280,000 | 8,038 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $280,000 | 8,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,466 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $279,270 | 7,971 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 9,037 |
| Total interest expense | $718,000 | 9,498 |
| Net interest income | $1,256,000 | 8,566 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $63,000 | 10,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,587 |
| Total noninterest expense | $939,000 | 8,557 |
| Salaries and employee benefits | $546,000 | 8,276 |
| Premises and equipment expense | $82,000 | 9,385 |
| Additional noninterest expense | $311,000 | 8,213 |
| Pre-tax net operating income | $380,000 | 8,552 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $101,000 | 8,381 |
| Income before extraordinary items | $279,000 | 8,532 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $279,000 | 8,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $279,000 | 8,490 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 9,384 |
| Total interest expense | $741,000 | 9,842 |
| Net interest income | $1,254,000 | 8,885 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $69,000 | 10,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $910,000 | 9,027 |
| Salaries and employee benefits | $525,000 | 8,673 |
| Premises and equipment expense | $82,000 | 9,755 |
| Additional noninterest expense | $303,000 | 8,847 |
| Pre-tax net operating income | $413,000 | 8,435 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $137,000 | 8,089 |
| Income before extraordinary items | $276,000 | 8,624 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $276,000 | 8,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,310 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $276,000 | 8,559 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,960,000 | 9,780 |
| Total interest expense | $741,000 | 10,155 |
| Net interest income | $1,219,000 | 9,279 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $69,000 | 10,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $903,000 | 9,346 |
| Salaries and employee benefits | $499,000 | 9,124 |
| Premises and equipment expense | $79,000 | 10,226 |
| Additional noninterest expense | $325,000 | 8,978 |
| Pre-tax net operating income | $385,000 | 9,162 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $118,000 | 8,830 |
| Income before extraordinary items | $267,000 | 9,256 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $267,000 | 9,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,724 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $267,000 | 9,230 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 9,848 |
| Total interest expense | $706,000 | 10,059 |
| Net interest income | $1,266,000 | 9,572 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $93,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,840 |
| Total noninterest expense | $941,000 | 9,588 |
| Salaries and employee benefits | $503,000 | 9,364 |
| Premises and equipment expense | $83,000 | 10,557 |
| Additional noninterest expense | $355,000 | 9,289 |
| Pre-tax net operating income | $406,000 | 9,318 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $116,000 | 9,007 |
| Income before extraordinary items | $293,000 | 9,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $293,000 | 9,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $290,840 | 9,318 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,173,000 | 9,839 |
| Total interest expense | $718,000 | 10,476 |
| Net interest income | $1,455,000 | 9,254 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $87,000 | 11,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 10,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,920 |
| Total noninterest expense | $918,000 | 10,117 |
| Salaries and employee benefits | $503,000 | 9,638 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $333,000 | 10,035 |
| Pre-tax net operating income | $588,000 | 8,023 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $400,000 | 8,440 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $400,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $400,000 | 8,164 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 10,064 |
| Total interest expense | $943,000 | 10,646 |
| Net interest income | $1,474,000 | 9,360 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $88,000 | 12,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $903,000 | 10,463 |
| Salaries and employee benefits | $474,000 | 10,051 |
| Premises and equipment expense | $95,000 | 10,910 |
| Additional noninterest expense | $334,000 | 10,396 |
| Pre-tax net operating income | $606,000 | 7,670 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $185,000 | 7,849 |
| Income before extraordinary items | $441,000 | 7,819 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $441,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 7,598 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $427,000 | 7,594 |
* 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.