Home > UMB National Bank of America > Income and Expense
UMB National Bank of America, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,491,000 | 1,758 |
| Total interest expense | $869,000 | 3,378 |
| Net interest income | $10,622,000 | 1,571 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $3,345,000 | 1,242 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,470,000 | 739 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,875,000 | 1,329 |
| Total noninterest expense | $6,975,000 | 2,059 |
| Salaries and employee benefits | $3,351,000 | 2,220 |
| Premises and equipment expense | $690,000 | 2,470 |
| Additional noninterest expense | $2,934,000 | 1,705 |
| Pre-tax net operating income | $6,992,000 | 805 |
| Securities gains (losses) | $1,283,000 | 311 |
| Applicable income taxes | $2,799,000 | 542 |
| Income before extraordinary items | $5,476,000 | 827 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $5,476,000 | 825 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $5,476,000 | 827 |
| Net charge-offs | $292,000 | 2,866 |
| Cash dividends | $4,000,000 | 429 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $4,629,220 | 944 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,746,000 | 1,747 |
| Total interest expense | $583,000 | 3,469 |
| Net interest income | $7,163,000 | 1,552 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $2,267,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $995,000 | 716 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,272,000 | 1,283 |
| Total noninterest expense | $4,554,000 | 2,109 |
| Salaries and employee benefits | $2,255,000 | 2,208 |
| Premises and equipment expense | $423,000 | 2,654 |
| Additional noninterest expense | $1,876,000 | 1,780 |
| Pre-tax net operating income | $4,876,000 | 762 |
| Securities gains (losses) | $1,283,000 | 217 |
| Applicable income taxes | $2,102,000 | 494 |
| Income before extraordinary items | $4,057,000 | 755 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,057,000 | 754 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,057,000 | 755 |
| Net charge-offs | $81,000 | 3,609 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $3,210,220 | 894 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,889,000 | 1,755 |
| Total interest expense | $291,000 | 3,577 |
| Net interest income | $3,598,000 | 1,555 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $1,143,000 | 1,203 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $457,000 | 766 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $686,000 | 1,196 |
| Total noninterest expense | $2,275,000 | 2,108 |
| Salaries and employee benefits | $1,110,000 | 2,246 |
| Premises and equipment expense | $213,000 | 2,658 |
| Additional noninterest expense | $952,000 | 1,749 |
| Pre-tax net operating income | $2,466,000 | 746 |
| Securities gains (losses) | $1,146,000 | 117 |
| Applicable income taxes | $1,247,000 | 442 |
| Income before extraordinary items | $2,365,000 | 647 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,365,000 | 648 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,365,000 | 648 |
| Net charge-offs | $-10,000 | 6,648 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $1,620,100 | 872 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $17,343,000 | 1,639 |
| Total interest expense | $1,486,000 | 3,472 |
| Net interest income | $15,857,000 | 1,403 |
| Provision for loan and lease losses | $360,000 | 3,874 |
| Total noninterest income | $4,513,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,078,000 | 701 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,435,000 | 1,194 |
| Total noninterest expense | $9,462,000 | 2,019 |
| Salaries and employee benefits | $4,720,000 | 2,056 |
| Premises and equipment expense | $882,000 | 2,680 |
| Additional noninterest expense | $3,860,000 | 1,759 |
| Pre-tax net operating income | $10,548,000 | 588 |
| Securities gains (losses) | $1,282,000 | 339 |
| Applicable income taxes | $3,934,000 | 477 |
| Income before extraordinary items | $7,896,000 | 656 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,896,000 | 654 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $7,896,000 | 656 |
| Net charge-offs | $338,000 | 3,663 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $7,037,060 | 686 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $13,220,000 | 1,625 |
| Total interest expense | $1,175,000 | 3,456 |
| Net interest income | $12,045,000 | 1,390 |
| Provision for loan and lease losses | $360,000 | 3,361 |
| Total noninterest income | $3,513,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,550,000 | 711 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,963,000 | 1,128 |
| Total noninterest expense | $7,348,000 | 1,956 |
| Salaries and employee benefits | $3,568,000 | 2,019 |
| Premises and equipment expense | $647,000 | 2,765 |
| Additional noninterest expense | $3,133,000 | 1,631 |
| Pre-tax net operating income | $7,850,000 | 621 |
| Securities gains (losses) | $1,283,000 | 266 |
| Applicable income taxes | $3,042,000 | 466 |
| Income before extraordinary items | $6,091,000 | 659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,091,000 | 659 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $6,091,000 | 659 |
| Net charge-offs | $378,000 | 2,982 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $5,231,390 | 718 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,006,000 | 1,612 |
| Total interest expense | $830,000 | 3,417 |
| Net interest income | $8,176,000 | 1,359 |
| Provision for loan and lease losses | $160,000 | 3,810 |
| Total noninterest income | $2,282,000 | 1,116 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,018,000 | 719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,264,000 | 1,145 |
| Total noninterest expense | $5,130,000 | 1,885 |
| Salaries and employee benefits | $2,431,000 | 2,008 |
| Premises and equipment expense | $426,000 | 2,799 |
| Additional noninterest expense | $2,273,000 | 1,523 |
| Pre-tax net operating income | $5,168,000 | 616 |
| Securities gains (losses) | $589,000 | 314 |
| Applicable income taxes | $1,891,000 | 483 |
| Income before extraordinary items | $3,866,000 | 678 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,866,000 | 676 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,866,000 | 678 |
| Net charge-offs | $425,000 | 2,301 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $3,471,370 | 715 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,587,000 | 1,600 |
| Total interest expense | $439,000 | 3,381 |
| Net interest income | $4,148,000 | 1,343 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $1,050,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $443,000 | 812 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $607,000 | 1,169 |
| Total noninterest expense | $2,447,000 | 1,977 |
| Salaries and employee benefits | $1,204,000 | 2,029 |
| Premises and equipment expense | $236,000 | 2,605 |
| Additional noninterest expense | $1,007,000 | 1,704 |
| Pre-tax net operating income | $2,751,000 | 594 |
| Securities gains (losses) | $409,000 | 192 |
| Applicable income taxes | $1,040,000 | 440 |
| Income before extraordinary items | $2,120,000 | 622 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,120,000 | 618 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,120,000 | 622 |
| Net charge-offs | $-32,000 | 7,289 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,845,970 | 688 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,305,000 | 1,654 |
| Total interest expense | $2,107,000 | 3,427 |
| Net interest income | $16,198,000 | 1,378 |
| Provision for loan and lease losses | $710,000 | 3,576 |
| Total noninterest income | $4,106,000 | 1,239 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,213,000 | 673 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,893,000 | 1,450 |
| Total noninterest expense | $9,809,000 | 1,980 |
| Salaries and employee benefits | $4,489,000 | 2,158 |
| Premises and equipment expense | $775,000 | 3,045 |
| Additional noninterest expense | $4,545,000 | 1,586 |
| Pre-tax net operating income | $9,785,000 | 568 |
| Securities gains (losses) | $647,000 | 714 |
| Applicable income taxes | $3,404,000 | 488 |
| Income before extraordinary items | $7,028,000 | 647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,028,000 | 643 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $7,028,000 | 648 |
| Net charge-offs | $493,000 | 3,677 |
| Cash dividends | $9,000,000 | 191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $6,594,510 | 656 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,827,000 | 1,677 |
| Total interest expense | $1,640,000 | 3,465 |
| Net interest income | $12,187,000 | 1,392 |
| Provision for loan and lease losses | $310,000 | 4,272 |
| Total noninterest income | $3,107,000 | 1,228 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,737,000 | 654 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,370,000 | 1,431 |
| Total noninterest expense | $7,277,000 | 1,996 |
| Salaries and employee benefits | $3,294,000 | 2,207 |
| Premises and equipment expense | $584,000 | 3,090 |
| Additional noninterest expense | $3,399,000 | 1,564 |
| Pre-tax net operating income | $7,707,000 | 553 |
| Securities gains (losses) | $595,000 | 638 |
| Applicable income taxes | $2,740,000 | 458 |
| Income before extraordinary items | $5,562,000 | 622 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $5,562,000 | 620 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $5,562,000 | 622 |
| Net charge-offs | $368,000 | 3,463 |
| Cash dividends | $9,000,000 | 119 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $5,163,350 | 646 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,311,000 | 1,685 |
| Total interest expense | $1,135,000 | 3,452 |
| Net interest income | $8,176,000 | 1,385 |
| Provision for loan and lease losses | $310,000 | 3,545 |
| Total noninterest income | $2,077,000 | 1,207 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,176,000 | 651 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $901,000 | 1,394 |
| Total noninterest expense | $4,789,000 | 2,036 |
| Salaries and employee benefits | $2,097,000 | 2,327 |
| Premises and equipment expense | $385,000 | 3,150 |
| Additional noninterest expense | $2,307,000 | 1,541 |
| Pre-tax net operating income | $5,154,000 | 536 |
| Securities gains (losses) | $514,000 | 464 |
| Applicable income taxes | $1,880,000 | 415 |
| Income before extraordinary items | $3,788,000 | 582 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,788,000 | 583 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $3,788,000 | 583 |
| Net charge-offs | $248,000 | 3,287 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,443,620 | 629 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,743,000 | 1,702 |
| Total interest expense | $591,000 | 3,473 |
| Net interest income | $4,152,000 | 1,378 |
| Provision for loan and lease losses | $210,000 | 2,919 |
| Total noninterest income | $1,000,000 | 1,231 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $562,000 | 688 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $438,000 | 1,424 |
| Total noninterest expense | $2,331,000 | 2,094 |
| Salaries and employee benefits | $1,012,000 | 2,450 |
| Premises and equipment expense | $32,000 | 7,033 |
| Additional noninterest expense | $1,287,000 | 1,387 |
| Pre-tax net operating income | $2,611,000 | 528 |
| Securities gains (losses) | $339,000 | 346 |
| Applicable income taxes | $984,000 | 392 |
| Income before extraordinary items | $1,966,000 | 567 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,966,000 | 569 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,966,000 | 569 |
| Net charge-offs | $172,000 | 2,599 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,738,870 | 627 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,156,000 | 1,616 |
| Total interest expense | $3,143,000 | 3,305 |
| Net interest income | $18,013,000 | 1,242 |
| Provision for loan and lease losses | $300,000 | 5,244 |
| Total noninterest income | $4,033,000 | 1,294 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,442,000 | 685 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,591,000 | 1,597 |
| Total noninterest expense | $9,312,000 | 2,143 |
| Salaries and employee benefits | $4,094,000 | 2,390 |
| Premises and equipment expense | $785,000 | 3,175 |
| Additional noninterest expense | $4,433,000 | 1,668 |
| Pre-tax net operating income | $12,434,000 | 338 |
| Securities gains (losses) | $622,000 | 747 |
| Applicable income taxes | $4,330,000 | 296 |
| Income before extraordinary items | $8,726,000 | 373 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,726,000 | 372 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $8,726,000 | 373 |
| Net charge-offs | $351,000 | 4,290 |
| Cash dividends | $23,950,000 | 96 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $8,309,260 | 387 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,234,000 | 1,608 |
| Total interest expense | $2,523,000 | 3,269 |
| Net interest income | $13,711,000 | 1,227 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $3,043,000 | 1,304 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,847,000 | 680 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,196,000 | 1,624 |
| Total noninterest expense | $7,031,000 | 2,127 |
| Salaries and employee benefits | $3,091,000 | 2,410 |
| Premises and equipment expense | $584,000 | 3,225 |
| Additional noninterest expense | $3,356,000 | 1,615 |
| Pre-tax net operating income | $9,723,000 | 339 |
| Securities gains (losses) | $622,000 | 583 |
| Applicable income taxes | $3,477,000 | 297 |
| Income before extraordinary items | $6,868,000 | 385 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $6,868,000 | 383 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $6,868,000 | 385 |
| Net charge-offs | $333,000 | 3,564 |
| Cash dividends | $19,750,000 | 86 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $6,457,480 | 402 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,131,000 | 1,592 |
| Total interest expense | $1,738,000 | 3,316 |
| Net interest income | $9,393,000 | 1,181 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $2,035,000 | 1,314 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,222,000 | 685 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $813,000 | 1,633 |
| Total noninterest expense | $4,693,000 | 2,150 |
| Salaries and employee benefits | $2,033,000 | 2,479 |
| Premises and equipment expense | $391,000 | 3,244 |
| Additional noninterest expense | $2,269,000 | 1,610 |
| Pre-tax net operating income | $6,735,000 | 329 |
| Securities gains (losses) | $206,000 | 1,003 |
| Applicable income taxes | $2,325,000 | 295 |
| Income before extraordinary items | $4,616,000 | 382 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,616,000 | 379 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $4,616,000 | 381 |
| Net charge-offs | $19,000 | 5,648 |
| Cash dividends | $19,750,000 | 59 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $4,477,980 | 371 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,819,000 | 1,560 |
| Total interest expense | $907,000 | 3,311 |
| Net interest income | $4,912,000 | 1,114 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $1,027,000 | 1,256 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $600,000 | 670 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $427,000 | 1,548 |
| Total noninterest expense | $2,160,000 | 2,259 |
| Salaries and employee benefits | $1,028,000 | 2,492 |
| Premises and equipment expense | $214,000 | 3,070 |
| Additional noninterest expense | $918,000 | 1,763 |
| Pre-tax net operating income | $3,779,000 | 325 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,271,000 | 299 |
| Income before extraordinary items | $2,508,000 | 380 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,508,000 | 380 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $2,508,000 | 382 |
| Net charge-offs | $14,000 | 4,567 |
| Cash dividends | $17,000,000 | 35 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,508,000 | 350 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,635,000 | 1,457 |
| Total interest expense | $7,965,000 | 1,981 |
| Net interest income | $18,670,000 | 1,190 |
| Provision for loan and lease losses | $250,000 | 4,899 |
| Total noninterest income | $4,741,000 | 1,110 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,552,000 | 679 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,189,000 | 1,216 |
| Total noninterest expense | $8,851,000 | 2,165 |
| Salaries and employee benefits | $4,138,000 | 2,432 |
| Premises and equipment expense | $873,000 | 2,948 |
| Additional noninterest expense | $3,840,000 | 1,622 |
| Pre-tax net operating income | $14,310,000 | 378 |
| Securities gains (losses) | $379,000 | 470 |
| Applicable income taxes | $4,975,000 | 320 |
| Income before extraordinary items | $9,714,000 | 394 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,714,000 | 394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,593 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $9,463,860 | 431 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,310,000 | 1,465 |
| Total interest expense | $6,436,000 | 1,917 |
| Net interest income | $13,874,000 | 1,220 |
| Provision for loan and lease losses | $250,000 | 3,846 |
| Total noninterest income | $3,602,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,871,000 | 705 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,731,000 | 1,229 |
| Total noninterest expense | $6,533,000 | 2,191 |
| Salaries and employee benefits | $2,990,000 | 2,553 |
| Premises and equipment expense | $660,000 | 2,945 |
| Additional noninterest expense | $2,883,000 | 1,544 |
| Pre-tax net operating income | $10,693,000 | 477 |
| Securities gains (losses) | $379,000 | 389 |
| Applicable income taxes | $3,762,000 | 386 |
| Income before extraordinary items | $7,310,000 | 500 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $7,310,000 | 499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,073 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $7,059,860 | 537 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,999,000 | 1,441 |
| Total interest expense | $4,472,000 | 1,925 |
| Net interest income | $9,527,000 | 1,168 |
| Provision for loan and lease losses | $25,000 | 5,815 |
| Total noninterest income | $2,430,000 | 1,137 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,183,000 | 729 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,247,000 | 1,211 |
| Total noninterest expense | $4,310,000 | 2,218 |
| Salaries and employee benefits | $1,953,000 | 2,625 |
| Premises and equipment expense | $451,000 | 2,899 |
| Additional noninterest expense | $1,906,000 | 1,545 |
| Pre-tax net operating income | $7,622,000 | 476 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,600,000 | 425 |
| Income before extraordinary items | $5,022,000 | 554 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,022,000 | 552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $5,022,000 | 541 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,498,000 | 1,375 |
| Total interest expense | $2,706,000 | 1,737 |
| Net interest income | $4,792,000 | 1,143 |
| Provision for loan and lease losses | $25,000 | 4,682 |
| Total noninterest income | $1,353,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $560,000 | 770 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $793,000 | 1,007 |
| Total noninterest expense | $2,215,000 | 2,162 |
| Salaries and employee benefits | $1,031,000 | 2,516 |
| Premises and equipment expense | $231,000 | 2,839 |
| Additional noninterest expense | $953,000 | 1,511 |
| Pre-tax net operating income | $3,905,000 | 504 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,338,000 | 474 |
| Income before extraordinary items | $2,567,000 | 588 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,567,000 | 589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,021 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,567,000 | 560 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,699,000 | 1,448 |
| Total interest expense | $14,246,000 | 1,408 |
| Net interest income | $15,453,000 | 1,459 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $4,179,000 | 1,259 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,370,000 | 749 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,809,000 | 1,452 |
| Total noninterest expense | $8,583,000 | 2,147 |
| Salaries and employee benefits | $3,821,000 | 2,597 |
| Premises and equipment expense | $858,000 | 2,911 |
| Additional noninterest expense | $3,904,000 | 1,420 |
| Pre-tax net operating income | $11,049,000 | 768 |
| Securities gains (losses) | $295,000 | 364 |
| Applicable income taxes | $3,791,000 | 671 |
| Income before extraordinary items | $7,553,000 | 852 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,553,000 | 850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,490 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $7,355,350 | 858 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,190,000 | 1,456 |
| Total interest expense | $11,096,000 | 1,354 |
| Net interest income | $11,094,000 | 1,549 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $3,138,000 | 1,256 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,788,000 | 739 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,350,000 | 1,480 |
| Total noninterest expense | $6,405,000 | 2,121 |
| Salaries and employee benefits | $2,849,000 | 2,600 |
| Premises and equipment expense | $633,000 | 2,941 |
| Additional noninterest expense | $2,923,000 | 1,377 |
| Pre-tax net operating income | $7,827,000 | 889 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,611,000 | 774 |
| Income before extraordinary items | $5,216,000 | 1,002 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,216,000 | 1,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,718 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,216,000 | 987 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,844,000 | 1,464 |
| Total interest expense | $7,343,000 | 1,365 |
| Net interest income | $7,501,000 | 1,540 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,113,000 | 1,271 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,206,000 | 721 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $907,000 | 1,490 |
| Total noninterest expense | $4,193,000 | 2,197 |
| Salaries and employee benefits | $1,850,000 | 2,692 |
| Premises and equipment expense | $417,000 | 2,996 |
| Additional noninterest expense | $1,926,000 | 1,406 |
| Pre-tax net operating income | $5,421,000 | 890 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,809,000 | 793 |
| Income before extraordinary items | $3,612,000 | 1,004 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,612,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,152 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,612,000 | 987 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 1,447 |
| Total interest expense | $3,741,000 | 1,327 |
| Net interest income | $3,727,000 | 1,549 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,053,000 | 1,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $588,000 | 719 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $465,000 | 1,436 |
| Total noninterest expense | $2,107,000 | 2,198 |
| Salaries and employee benefits | $938,000 | 2,693 |
| Premises and equipment expense | $209,000 | 3,000 |
| Additional noninterest expense | $960,000 | 1,394 |
| Pre-tax net operating income | $2,673,000 | 881 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $890,000 | 793 |
| Income before extraordinary items | $1,783,000 | 984 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,783,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,783,000 | 971 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,801,000 | 1,549 |
| Total interest expense | $13,341,000 | 1,263 |
| Net interest income | $12,460,000 | 1,851 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $3,574,000 | 1,411 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,019,000 | 875 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,555,000 | 1,625 |
| Total noninterest expense | $8,564,000 | 2,055 |
| Salaries and employee benefits | $3,741,000 | 2,592 |
| Premises and equipment expense | $851,000 | 2,847 |
| Additional noninterest expense | $3,972,000 | 1,344 |
| Pre-tax net operating income | $7,470,000 | 1,310 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,376,000 | 1,161 |
| Income before extraordinary items | $5,094,000 | 1,431 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,094,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,366 |
| Cash dividends | $26,910,000 | 194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,094,000 | 1,414 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,716,000 | 1,592 |
| Total interest expense | $9,776,000 | 1,262 |
| Net interest income | $8,940,000 | 1,966 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,598,000 | 1,456 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,459,000 | 913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,139,000 | 1,655 |
| Total noninterest expense | $6,204,000 | 2,143 |
| Salaries and employee benefits | $2,762,000 | 2,631 |
| Premises and equipment expense | $627,000 | 2,891 |
| Additional noninterest expense | $2,815,000 | 1,403 |
| Pre-tax net operating income | $5,334,000 | 1,431 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,675,000 | 1,282 |
| Income before extraordinary items | $3,659,000 | 1,532 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,659,000 | 1,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,902 |
| Cash dividends | $26,910,000 | 162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,659,000 | 1,512 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,126,000 | 1,602 |
| Total interest expense | $6,167,000 | 1,267 |
| Net interest income | $5,959,000 | 1,966 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,676,000 | 1,486 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $950,000 | 924 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $726,000 | 1,716 |
| Total noninterest expense | $4,165,000 | 2,120 |
| Salaries and employee benefits | $1,850,000 | 2,619 |
| Premises and equipment expense | $427,000 | 2,831 |
| Additional noninterest expense | $1,888,000 | 1,411 |
| Pre-tax net operating income | $3,470,000 | 1,454 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,079,000 | 1,317 |
| Income before extraordinary items | $2,391,000 | 1,543 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,391,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $1,910,000 | 868 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,391,000 | 1,527 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,880,000 | 1,614 |
| Total interest expense | $3,007,000 | 1,241 |
| Net interest income | $2,873,000 | 2,019 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $758,000 | 1,588 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $422,000 | 1,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $336,000 | 1,779 |
| Total noninterest expense | $2,122,000 | 2,083 |
| Salaries and employee benefits | $983,000 | 2,481 |
| Premises and equipment expense | $226,000 | 2,708 |
| Additional noninterest expense | $913,000 | 1,443 |
| Pre-tax net operating income | $1,509,000 | 1,623 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $455,000 | 1,499 |
| Income before extraordinary items | $1,054,000 | 1,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,054,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $910,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,054,000 | 1,689 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,208,000 | 1,743 |
| Total interest expense | $7,839,000 | 1,442 |
| Net interest income | $11,369,000 | 1,957 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $9,593,000 | 642 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,016,000 | 862 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,577,000 | 511 |
| Total noninterest expense | $10,883,000 | 1,580 |
| Salaries and employee benefits | $5,683,000 | 1,648 |
| Premises and equipment expense | $1,031,000 | 2,302 |
| Additional noninterest expense | $4,169,000 | 1,245 |
| Pre-tax net operating income | $10,079,000 | 975 |
| Securities gains (losses) | $-25,000 | 7,924 |
| Applicable income taxes | $3,353,000 | 882 |
| Income before extraordinary items | $6,701,000 | 1,080 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,701,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,238 |
| Cash dividends | $740,000 | 2,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,717,750 | 1,059 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,919,000 | 1,766 |
| Total interest expense | $5,386,000 | 1,487 |
| Net interest income | $8,533,000 | 1,930 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $8,810,000 | 559 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,548,000 | 842 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,262,000 | 443 |
| Total noninterest expense | $8,589,000 | 1,489 |
| Salaries and employee benefits | $4,711,000 | 1,475 |
| Premises and equipment expense | $802,000 | 2,225 |
| Additional noninterest expense | $3,076,000 | 1,246 |
| Pre-tax net operating income | $8,754,000 | 845 |
| Securities gains (losses) | $-25,000 | 8,266 |
| Applicable income taxes | $2,941,000 | 793 |
| Income before extraordinary items | $5,788,000 | 933 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,788,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,153 |
| Cash dividends | $740,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,804,500 | 913 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,064,000 | 1,763 |
| Total interest expense | $3,183,000 | 1,586 |
| Net interest income | $5,881,000 | 1,845 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,818,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,015,000 | 835 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $803,000 | 1,578 |
| Total noninterest expense | $6,119,000 | 1,388 |
| Salaries and employee benefits | $3,457,000 | 1,324 |
| Premises and equipment expense | $552,000 | 2,145 |
| Additional noninterest expense | $2,110,000 | 1,177 |
| Pre-tax net operating income | $1,580,000 | 2,645 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $485,000 | 2,313 |
| Income before extraordinary items | $1,095,000 | 2,889 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,095,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $740,000 | 1,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,095,000 | 2,846 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,373,000 | 1,785 |
| Total interest expense | $1,589,000 | 1,510 |
| Net interest income | $2,784,000 | 1,933 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $879,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $497,000 | 823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $382,000 | 1,605 |
| Total noninterest expense | $3,391,000 | 1,249 |
| Salaries and employee benefits | $2,031,000 | 1,122 |
| Premises and equipment expense | $295,000 | 2,032 |
| Additional noninterest expense | $1,065,000 | 1,149 |
| Pre-tax net operating income | $272,000 | 5,246 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $71,000 | 4,271 |
| Income before extraordinary items | $201,000 | 5,402 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $201,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $740,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $201,000 | 5,371 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,597,000 | 1,723 |
| Total interest expense | $3,578,000 | 2,258 |
| Net interest income | $13,019,000 | 1,561 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $3,830,000 | 1,327 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,346,000 | 748 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,484,000 | 1,649 |
| Total noninterest expense | $11,211,000 | 1,451 |
| Salaries and employee benefits | $5,766,000 | 1,540 |
| Premises and equipment expense | $1,085,000 | 2,119 |
| Additional noninterest expense | $4,360,000 | 1,131 |
| Pre-tax net operating income | $5,638,000 | 1,514 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,888,000 | 1,336 |
| Income before extraordinary items | $3,750,000 | 1,714 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,750,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,385 |
| Cash dividends | $3,915,000 | 786 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,750,000 | 1,668 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,355,000 | 1,718 |
| Total interest expense | $2,414,000 | 2,426 |
| Net interest income | $9,941,000 | 1,516 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,990,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,788,000 | 738 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,202,000 | 1,563 |
| Total noninterest expense | $8,415,000 | 1,450 |
| Salaries and employee benefits | $4,331,000 | 1,527 |
| Premises and equipment expense | $816,000 | 2,104 |
| Additional noninterest expense | $3,268,000 | 1,120 |
| Pre-tax net operating income | $4,516,000 | 1,439 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,507,000 | 1,278 |
| Income before extraordinary items | $3,009,000 | 1,614 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,009,000 | 1,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,818 |
| Cash dividends | $2,995,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,009,000 | 1,560 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 1,713 |
| Total interest expense | $1,494,000 | 2,580 |
| Net interest income | $6,730,000 | 1,482 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,953,000 | 1,309 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,144,000 | 759 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $809,000 | 1,538 |
| Total noninterest expense | $5,557,000 | 1,457 |
| Salaries and employee benefits | $2,871,000 | 1,539 |
| Premises and equipment expense | $536,000 | 2,130 |
| Additional noninterest expense | $2,150,000 | 1,141 |
| Pre-tax net operating income | $3,126,000 | 1,360 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,041,000 | 1,244 |
| Income before extraordinary items | $2,085,000 | 1,537 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,085,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,546 |
| Cash dividends | $1,975,000 | 720 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,085,000 | 1,484 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 1,687 |
| Total interest expense | $777,000 | 2,514 |
| Net interest income | $3,393,000 | 1,470 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $977,000 | 1,270 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $554,000 | 766 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $423,000 | 1,471 |
| Total noninterest expense | $2,767,000 | 1,471 |
| Salaries and employee benefits | $1,430,000 | 1,562 |
| Premises and equipment expense | $289,000 | 2,000 |
| Additional noninterest expense | $1,048,000 | 1,147 |
| Pre-tax net operating income | $1,603,000 | 1,309 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $537,000 | 1,229 |
| Income before extraordinary items | $1,066,000 | 1,503 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,066,000 | 1,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,639 |
| Cash dividends | $1,415,000 | 494 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,066,000 | 1,419 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,884,000 | 1,521 |
| Total interest expense | $3,618,000 | 2,434 |
| Net interest income | $15,266,000 | 1,272 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $4,111,000 | 1,316 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,237,000 | 765 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,874,000 | 1,541 |
| Total noninterest expense | $10,525,000 | 1,521 |
| Salaries and employee benefits | $5,450,000 | 1,586 |
| Premises and equipment expense | $1,050,000 | 2,166 |
| Additional noninterest expense | $4,025,000 | 1,235 |
| Pre-tax net operating income | $8,852,000 | 951 |
| Securities gains (losses) | $-32,000 | 8,918 |
| Applicable income taxes | $3,080,000 | 899 |
| Income before extraordinary items | $5,740,000 | 1,119 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,740,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,959 |
| Cash dividends | $8,280,000 | 432 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,760,800 | 1,056 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,494,000 | 1,515 |
| Total interest expense | $2,854,000 | 2,408 |
| Net interest income | $11,640,000 | 1,260 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,921,000 | 1,398 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,688,000 | 771 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,233,000 | 1,773 |
| Total noninterest expense | $7,880,000 | 1,530 |
| Salaries and employee benefits | $4,034,000 | 1,601 |
| Premises and equipment expense | $790,000 | 2,168 |
| Additional noninterest expense | $3,056,000 | 1,237 |
| Pre-tax net operating income | $6,681,000 | 980 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,338,000 | 938 |
| Income before extraordinary items | $4,343,000 | 1,153 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,343,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,989 |
| Cash dividends | $6,830,000 | 393 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,343,000 | 1,085 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,006,000 | 1,469 |
| Total interest expense | $2,035,000 | 2,336 |
| Net interest income | $7,971,000 | 1,225 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,943,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,122,000 | 761 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $821,000 | 1,746 |
| Total noninterest expense | $5,351,000 | 1,500 |
| Salaries and employee benefits | $2,691,000 | 1,590 |
| Premises and equipment expense | $530,000 | 2,143 |
| Additional noninterest expense | $2,130,000 | 1,185 |
| Pre-tax net operating income | $4,563,000 | 960 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,689,000 | 893 |
| Income before extraordinary items | $2,874,000 | 1,169 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,874,000 | 1,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 9,130 |
| Cash dividends | $5,450,000 | 320 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,874,000 | 1,083 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 1,405 |
| Total interest expense | $1,095,000 | 2,230 |
| Net interest income | $4,160,000 | 1,178 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $963,000 | 1,373 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $559,000 | 749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $404,000 | 1,727 |
| Total noninterest expense | $2,711,000 | 1,463 |
| Salaries and employee benefits | $1,342,000 | 1,584 |
| Premises and equipment expense | $272,000 | 2,096 |
| Additional noninterest expense | $1,097,000 | 1,124 |
| Pre-tax net operating income | $2,412,000 | 925 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $893,000 | 875 |
| Income before extraordinary items | $1,519,000 | 1,096 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,519,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,512 |
| Cash dividends | $4,250,000 | 215 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,519,000 | 1,018 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,544,000 | 1,298 |
| Total interest expense | $6,992,000 | 1,630 |
| Net interest income | $16,552,000 | 1,173 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $3,893,000 | 1,276 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,236,000 | 719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,657,000 | 1,527 |
| Total noninterest expense | $9,912,000 | 1,558 |
| Salaries and employee benefits | $5,250,000 | 1,544 |
| Premises and equipment expense | $1,012,000 | 2,160 |
| Additional noninterest expense | $3,650,000 | 1,320 |
| Pre-tax net operating income | $10,533,000 | 825 |
| Securities gains (losses) | $452,000 | 703 |
| Applicable income taxes | $4,036,000 | 724 |
| Income before extraordinary items | $6,949,000 | 900 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,949,000 | 898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $3,500,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,659,720 | 898 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $30,940,000 | 1,103 |
| Total interest expense | $15,767,000 | 1,025 |
| Net interest income | $15,173,000 | 1,166 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $3,904,000 | 1,203 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,106,000 | 704 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,798,000 | 1,334 |
| Total noninterest expense | $11,061,000 | 1,316 |
| Salaries and employee benefits | $5,223,000 | 1,455 |
| Premises and equipment expense | $1,164,000 | 1,850 |
| Additional noninterest expense | $4,674,000 | 1,029 |
| Pre-tax net operating income | $8,016,000 | 942 |
| Securities gains (losses) | $372,000 | 767 |
| Applicable income taxes | $3,380,000 | 756 |
| Income before extraordinary items | $5,008,000 | 1,094 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,008,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-190,000 | 9,552 |
| Cash dividends | $4,500,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,769,920 | 1,099 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $39,235,000 | 906 |
| Total interest expense | $23,010,000 | 790 |
| Net interest income | $16,225,000 | 1,093 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $3,821,000 | 1,104 |
| Gross Fiduciary activities income | $930,000 | 433 |
| Service charges on deposit accounts | $1,958,000 | 692 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $933,000 | 1,942 |
| Total noninterest expense | $11,401,000 | 1,219 |
| Salaries and employee benefits | $5,368,000 | 1,330 |
| Premises and equipment expense | $1,208,000 | 1,730 |
| Additional noninterest expense | $4,825,000 | 973 |
| Pre-tax net operating income | $8,645,000 | 897 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $3,418,000 | 742 |
| Income before extraordinary items | $5,230,000 | 1,024 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,230,000 | 1,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 9,562 |
| Cash dividends | $4,900,000 | 638 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,228,080 | 1,022 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $44,263,000 | 766 |
| Total interest expense | $26,060,000 | 637 |
| Net interest income | $18,203,000 | 968 |
| Provision for loan and lease losses | $-420,000 | 10,176 |
| Total noninterest income | $3,769,000 | 1,140 |
| Gross Fiduciary activities income | $948,000 | 475 |
| Service charges on deposit accounts | $1,897,000 | 698 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $924,000 | 1,970 |
| Total noninterest expense | $12,662,000 | 1,098 |
| Salaries and employee benefits | $6,195,000 | 1,108 |
| Premises and equipment expense | $1,377,000 | 1,490 |
| Additional noninterest expense | $5,090,000 | 943 |
| Pre-tax net operating income | $9,730,000 | 848 |
| Securities gains (losses) | $105,000 | 724 |
| Applicable income taxes | $3,799,000 | 731 |
| Income before extraordinary items | $6,036,000 | 930 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,036,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,930 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,968,800 | 926 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $47,888,000 | 705 |
| Total interest expense | $30,359,000 | 568 |
| Net interest income | $17,529,000 | 961 |
| Provision for loan and lease losses | $-424,000 | 10,405 |
| Total noninterest income | $3,555,000 | 1,176 |
| Gross Fiduciary activities income | $787,000 | 517 |
| Service charges on deposit accounts | $1,743,000 | 707 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,025,000 | 1,819 |
| Total noninterest expense | $13,622,000 | 987 |
| Salaries and employee benefits | $6,645,000 | 983 |
| Premises and equipment expense | $1,551,000 | 1,234 |
| Additional noninterest expense | $5,426,000 | 900 |
| Pre-tax net operating income | $7,886,000 | 979 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,960,000 | 887 |
| Income before extraordinary items | $4,926,000 | 1,095 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,926,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,735 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,926,000 | 1,053 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $37,629,000 | 909 |
| Total interest expense | $20,880,000 | 794 |
| Net interest income | $16,749,000 | 1,050 |
| Provision for loan and lease losses | $-454,000 | 10,866 |
| Total noninterest income | $3,744,000 | 1,128 |
| Gross Fiduciary activities income | $727,000 | 552 |
| Service charges on deposit accounts | $1,875,000 | 679 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,142,000 | 1,613 |
| Total noninterest expense | $13,572,000 | 1,007 |
| Salaries and employee benefits | $6,421,000 | 1,029 |
| Premises and equipment expense | $1,644,000 | 1,206 |
| Additional noninterest expense | $5,507,000 | 900 |
| Pre-tax net operating income | $7,375,000 | 1,090 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $2,452,000 | 1,113 |
| Income before extraordinary items | $4,937,000 | 1,131 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,937,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 10,708 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,927,620 | 1,100 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,895,000 | 1,316 |
| Total interest expense | $12,090,000 | 1,338 |
| Net interest income | $13,805,000 | 1,285 |
| Provision for loan and lease losses | $-537,000 | 11,392 |
| Total noninterest income | $3,587,000 | 1,200 |
| Gross Fiduciary activities income | $767,000 | 585 |
| Service charges on deposit accounts | $1,750,000 | 761 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,070,000 | 1,729 |
| Total noninterest expense | $13,434,000 | 1,108 |
| Salaries and employee benefits | $6,580,000 | 1,020 |
| Premises and equipment expense | $1,658,000 | 1,247 |
| Additional noninterest expense | $5,196,000 | 1,098 |
| Pre-tax net operating income | $4,495,000 | 1,611 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $1,360,000 | 1,760 |
| Income before extraordinary items | $3,137,000 | 1,588 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,137,000 | 1,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-143,000 | 11,283 |
| Cash dividends | $3,000,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,135,600 | 1,557 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $26,946,000 | 1,280 |
| Total interest expense | $12,500,000 | 1,330 |
| Net interest income | $14,446,000 | 1,248 |
| Provision for loan and lease losses | $-329,000 | 11,871 |
| Total noninterest income | $3,404,000 | 1,247 |
| Gross Fiduciary activities income | $647,000 | 663 |
| Service charges on deposit accounts | $1,819,000 | 736 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $938,000 | 1,885 |
| Total noninterest expense | $13,686,000 | 1,094 |
| Salaries and employee benefits | $6,497,000 | 1,061 |
| Premises and equipment expense | $1,724,000 | 1,206 |
| Additional noninterest expense | $5,465,000 | 1,044 |
| Pre-tax net operating income | $4,493,000 | 1,641 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $1,597,000 | 1,561 |
| Income before extraordinary items | $2,905,000 | 1,733 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,905,000 | 1,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,626 |
| Cash dividends | $18,853,000 | 269 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,899,150 | 1,718 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $25,615,000 | 1,222 |
| Total interest expense | $10,701,000 | 1,224 |
| Net interest income | $14,914,000 | 1,221 |
| Provision for loan and lease losses | $-204,000 | 12,339 |
| Total noninterest income | $4,162,000 | 1,048 |
| Gross Fiduciary activities income | $694,000 | 633 |
| Service charges on deposit accounts | $1,977,000 | 688 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,491,000 | 1,391 |
| Total noninterest expense | $14,747,000 | 1,029 |
| Salaries and employee benefits | $7,144,000 | 958 |
| Premises and equipment expense | $2,019,000 | 1,048 |
| Additional noninterest expense | $5,584,000 | 1,073 |
| Pre-tax net operating income | $4,533,000 | 1,583 |
| Securities gains (losses) | $175,000 | 540 |
| Applicable income taxes | $1,529,000 | 1,535 |
| Income before extraordinary items | $3,179,000 | 1,549 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,179,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 11,561 |
| Cash dividends | $2,000,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,060,000 | 1,604 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,770,000 | 6,016 |
| Total interest expense | $2,132,000 | 5,536 |
| Net interest income | $2,638,000 | 6,276 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,292,000 | 2,752 |
| Gross Fiduciary activities income | $329,000 | 911 |
| Service charges on deposit accounts | $445,000 | 3,123 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $518,000 | 3,195 |
| Total noninterest expense | $3,614,000 | 3,803 |
| Salaries and employee benefits | $1,869,000 | 3,490 |
| Premises and equipment expense | $522,000 | 3,718 |
| Additional noninterest expense | $1,223,000 | 4,126 |
| Pre-tax net operating income | $316,000 | 10,108 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $156,000 | 8,496 |
| Income before extraordinary items | $160,000 | 11,078 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $160,000 | 11,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 12,735 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $160,000 | 10,878 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,521,000 | 4,535 |
| Total interest expense | $3,639,000 | 4,409 |
| Net interest income | $3,882,000 | 4,570 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $2,251,000 | 1,795 |
| Gross Fiduciary activities income | $436,000 | 811 |
| Service charges on deposit accounts | $592,000 | 2,323 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,223,000 | 1,752 |
| Total noninterest expense | $4,486,000 | 3,172 |
| Salaries and employee benefits | $2,664,000 | 2,425 |
| Premises and equipment expense | $587,000 | 3,429 |
| Additional noninterest expense | $1,235,000 | 4,236 |
| Pre-tax net operating income | $1,647,000 | 3,719 |
| Securities gains (losses) | $189,000 | 2,085 |
| Applicable income taxes | $557,000 | 3,650 |
| Income before extraordinary items | $1,279,000 | 3,592 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,279,000 | 3,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-167,000 | 13,825 |
| Cash dividends | $840,000 | 1,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,146,700 | 3,685 |
* 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.