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Communityone Bank, Income and Expense

2016-09-30 (YTD Data)Rank
Total interest income$62,024,000362
Total interest expense$6,960,000326
Net interest income$55,064,000363
Provision for loan and lease losses$345,0001,491
Total noninterest income$14,151,000439
Gross Fiduciary activities income$584,000499
Service charges on deposit accounts$4,945,000229
Trading account gains and fees$0169
Additional Noninterest Income$8,622,000462
Total noninterest expense$48,437,000364
Salaries and employee benefits$28,412,000349
Premises and equipment expense$6,356,000319
Additional noninterest expense$13,669,000396
Pre-tax net operating income$20,433,000401
Securities gains (losses)$03,160
Applicable income taxes$9,663,000291
Income before extraordinary items$10,770,000547
Extraordinary gains, net$05
Net income$10,770,000545
Minority interest net income$071
Net income of bank and minority interests.$10,770,000547
Net charge-offs$2,485,000249
Cash dividends$1,000,0001,652
Sale, conversion, retirement of capital stock, net$0719
Net operating income$10,770,000531
2016-06-30 (YTD Data)Rank
Total interest income$41,422,000361
Total interest expense$4,696,000320
Net interest income$36,726,000362
Provision for loan and lease losses$-28,0005,782
Total noninterest income$11,090,000388
Gross Fiduciary activities income$391,000498
Service charges on deposit accounts$3,254,000228
Trading account gains and fees$0157
Additional Noninterest Income$7,445,000374
Total noninterest expense$33,537,000356
Salaries and employee benefits$19,641,000338
Premises and equipment expense$4,278,000322
Additional noninterest expense$9,618,000383
Pre-tax net operating income$14,307,000385
Securities gains (losses)$02,835
Applicable income taxes$5,257,000333
Income before extraordinary items$9,050,000435
Extraordinary gains, net$016
Net income$9,050,000434
Minority interest net income$071
Net income of bank and minority interests.$9,050,000434
Net charge-offs$1,462,000274
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$9,050,000422
2016-03-31 (YTD Data)Rank
Total interest income$20,488,000363
Total interest expense$2,384,000312
Net interest income$18,104,000365
Provision for loan and lease losses$-535,0006,074
Total noninterest income$5,856,000357
Gross Fiduciary activities income$186,000514
Service charges on deposit accounts$1,623,000227
Trading account gains and fees$0142
Additional Noninterest Income$4,047,000348
Total noninterest expense$17,040,000346
Salaries and employee benefits$9,927,000332
Premises and equipment expense$2,328,000296
Additional noninterest expense$4,785,000382
Pre-tax net operating income$7,455,000356
Securities gains (losses)$02,077
Applicable income taxes$2,735,000318
Income before extraordinary items$4,720,000400
Extraordinary gains, net$012
Net income$4,720,000400
Minority interest net income$062
Net income of bank and minority interests.$4,720,000400
Net charge-offs$420,000386
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$4,720,000392
2015-12-31 (YTD Data)Rank
Total interest income$78,558,000356
Total interest expense$9,050,000304
Net interest income$69,508,000360
Provision for loan and lease losses$-2,981,0006,134
Total noninterest income$16,698,000464
Gross Fiduciary activities income$774,000515
Service charges on deposit accounts$6,606,000231
Trading account gains and fees$0159
Additional Noninterest Income$9,318,000516
Total noninterest expense$71,336,000326
Salaries and employee benefits$42,846,000288
Premises and equipment expense$8,526,000316
Additional noninterest expense$19,964,000373
Pre-tax net operating income$17,851,000534
Securities gains (losses)$03,216
Applicable income taxes$7,429,000404
Income before extraordinary items$10,422,000704
Extraordinary gains, net$023
Net income$10,422,000703
Minority interest net income$081
Net income of bank and minority interests.$10,422,000704
Net charge-offs$2,169,000349
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$315,000371
Net operating income$10,422,000691
2015-09-30 (YTD Data)Rank
Total interest income$58,428,000364
Total interest expense$6,670,000312
Net interest income$51,758,000361
Provision for loan and lease losses$-1,990,0006,213
Total noninterest income$12,268,000484
Gross Fiduciary activities income$580,000517
Service charges on deposit accounts$4,810,000240
Trading account gains and fees$0153
Additional Noninterest Income$6,878,000544
Total noninterest expense$51,853,000343
Salaries and employee benefits$30,417,000310
Premises and equipment expense$6,429,000321
Additional noninterest expense$15,007,000370
Pre-tax net operating income$14,163,000520
Securities gains (losses)$03,031
Applicable income taxes$6,055,000390
Income before extraordinary items$8,108,000683
Extraordinary gains, net$021
Net income$8,108,000680
Minority interest net income$078
Net income of bank and minority interests.$8,108,000683
Net charge-offs$1,167,000438
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$8,108,000662
2015-06-30 (YTD Data)Rank
Total interest income$38,597,000368
Total interest expense$4,430,000311
Net interest income$34,167,000367
Provision for loan and lease losses$-1,926,0006,299
Total noninterest income$7,651,000503
Gross Fiduciary activities income$383,000523
Service charges on deposit accounts$3,000,000256
Trading account gains and fees$0157
Additional Noninterest Income$4,268,000572
Total noninterest expense$34,967,000342
Salaries and employee benefits$20,641,000304
Premises and equipment expense$4,018,000340
Additional noninterest expense$10,308,000358
Pre-tax net operating income$8,777,000548
Securities gains (losses)$02,636
Applicable income taxes$3,151,000463
Income before extraordinary items$5,626,000660
Extraordinary gains, net$022
Net income$5,626,000657
Minority interest net income$075
Net income of bank and minority interests.$5,626,000660
Net charge-offs$430,000718
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$5,626,000641
2015-03-31 (YTD Data)Rank
Total interest income$19,267,000373
Total interest expense$2,204,000312
Net interest income$17,063,000364
Provision for loan and lease losses$-1,137,0006,379
Total noninterest income$3,824,000496
Gross Fiduciary activities income$183,000540
Service charges on deposit accounts$1,498,000251
Trading account gains and fees$0152
Additional Noninterest Income$2,143,000541
Total noninterest expense$17,632,000340
Salaries and employee benefits$10,385,000308
Premises and equipment expense$2,189,000320
Additional noninterest expense$5,058,000360
Pre-tax net operating income$4,392,000540
Securities gains (losses)$02,027
Applicable income taxes$1,578,000450
Income before extraordinary items$2,814,000638
Extraordinary gains, net$013
Net income$2,814,000636
Minority interest net income$064
Net income of bank and minority interests.$2,814,000638
Net charge-offs$200,000730
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$2,814,000622
2014-12-31 (YTD Data)Rank
Total interest income$73,856,000369
Total interest expense$8,945,000317
Net interest income$64,911,000374
Provision for loan and lease losses$-5,371,0006,475
Total noninterest income$15,820,000460
Gross Fiduciary activities income$655,000558
Service charges on deposit accounts$6,351,000252
Trading account gains and fees$0180
Additional Noninterest Income$8,814,000503
Total noninterest expense$76,985,000311
Salaries and employee benefits$42,752,000283
Premises and equipment expense$9,115,000292
Additional noninterest expense$25,118,000315
Pre-tax net operating income$9,117,000911
Securities gains (losses)$974,000220
Applicable income taxes$-139,311,0006,509
Income before extraordinary items$149,402,00091
Extraordinary gains, net$017
Net income$149,402,00091
Minority interest net income$084
Net income of bank and minority interests.$149,402,00091
Net charge-offs$1,069,000838
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$19,400,00020
Net operating income$148,428,00090
2014-09-30 (YTD Data)Rank
Total interest income$54,583,000374
Total interest expense$6,683,000314
Net interest income$47,900,000375
Provision for loan and lease losses$-4,048,0006,554
Total noninterest income$11,531,000464
Gross Fiduciary activities income$471,000561
Service charges on deposit accounts$4,766,000249
Trading account gains and fees$0174
Additional Noninterest Income$6,294,000514
Total noninterest expense$56,690,000310
Salaries and employee benefits$32,236,000275
Premises and equipment expense$6,896,000285
Additional noninterest expense$17,558,000326
Pre-tax net operating income$6,789,000932
Securities gains (losses)$754,000201
Applicable income taxes$-18,0006,311
Income before extraordinary items$7,561,000678
Extraordinary gains, net$015
Net income$7,561,000675
Minority interest net income$081
Net income of bank and minority interests.$7,561,000676
Net charge-offs$1,212,000585
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$6,807,000730
2014-06-30 (YTD Data)Rank
Total interest income$36,190,000374
Total interest expense$4,433,000314
Net interest income$31,757,000376
Provision for loan and lease losses$-2,369,0006,619
Total noninterest income$7,459,000475
Gross Fiduciary activities income$299,000577
Service charges on deposit accounts$3,183,000248
Trading account gains and fees$0172
Additional Noninterest Income$3,977,000534
Total noninterest expense$36,622,000318
Salaries and employee benefits$19,831,000295
Premises and equipment expense$4,600,000284
Additional noninterest expense$12,191,000311
Pre-tax net operating income$4,963,000817
Securities gains (losses)$720,000169
Applicable income taxes$259,0002,173
Income before extraordinary items$5,424,000609
Extraordinary gains, net$020
Net income$5,424,000609
Minority interest net income$080
Net income of bank and minority interests.$5,424,000609
Net charge-offs$440,000966
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$4,740,000674
2014-03-31 (YTD Data)Rank
Total interest income$17,927,000375
Total interest expense$2,174,000319
Net interest income$15,753,000380
Provision for loan and lease losses$-684,0006,644
Total noninterest income$4,001,000435
Gross Fiduciary activities income$141,000589
Service charges on deposit accounts$1,564,000247
Trading account gains and fees$0147
Additional Noninterest Income$2,296,000455
Total noninterest expense$18,682,000311
Salaries and employee benefits$10,111,000286
Premises and equipment expense$2,328,000293
Additional noninterest expense$6,243,000306
Pre-tax net operating income$1,756,0001,092
Securities gains (losses)$01,715
Applicable income taxes$23,0003,425
Income before extraordinary items$1,733,000902
Extraordinary gains, net$016
Net income$1,733,000903
Minority interest net income$066
Net income of bank and minority interests.$1,733,000903
Net charge-offs$62,0001,700
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,733,000877
2013-12-31 (YTD Data)Rank
Total interest income$74,991,000348
Total interest expense$9,467,000332
Net interest income$65,524,000358
Provision for loan and lease losses$523,0001,785
Total noninterest income$16,311,000481
Gross Fiduciary activities income$472,000608
Service charges on deposit accounts$6,714,000242
Trading account gains and fees$0184
Additional Noninterest Income$9,125,000507
Total noninterest expense$82,439,000284
Salaries and employee benefits$39,928,000287
Premises and equipment expense$9,790,000265
Additional noninterest expense$32,721,000259
Pre-tax net operating income$-1,127,0006,586
Securities gains (losses)$2,772,00094
Applicable income taxes$1,326,0001,221
Income before extraordinary items$319,0005,367
Extraordinary gains, net$029
Net income$319,0005,371
Minority interest net income$090
Net income of bank and minority interests.$319,0005,371
Net charge-offs$3,052,000535
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$-1,455,0806,630
2013-09-30 (YTD Data)Rank
Total interest income$56,061,000350
Total interest expense$7,283,000330
Net interest income$48,778,000363
Provision for loan and lease losses$-1,297,0006,801
Total noninterest income$11,461,000502
Gross Fiduciary activities income$373,000605
Service charges on deposit accounts$4,915,000246
Trading account gains and fees$0180
Additional Noninterest Income$6,173,000569
Total noninterest expense$64,371,000271
Salaries and employee benefits$30,612,000283
Premises and equipment expense$7,553,000257
Additional noninterest expense$26,206,000240
Pre-tax net operating income$-2,835,0006,826
Securities gains (losses)$2,772,00082
Applicable income taxes$2,376,000641
Income before extraordinary items$-2,439,0006,815
Extraordinary gains, net$025
Net income$-2,439,0006,816
Minority interest net income$084
Net income of bank and minority interests.$-2,439,0006,816
Net charge-offs$2,631,000479
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-5,211,0006,857
2013-06-30 (YTD Data)Rank
Total interest income$36,207,000363
Total interest expense$5,093,000321
Net interest income$31,114,000370
Provision for loan and lease losses$-947,0006,851
Total noninterest income$6,241,000593
Gross Fiduciary activities income$244,000612
Service charges on deposit accounts$3,057,000261
Trading account gains and fees$0157
Additional Noninterest Income$2,940,000743
Total noninterest expense$45,738,000256
Salaries and employee benefits$21,121,000280
Premises and equipment expense$5,148,000251
Additional noninterest expense$19,469,000225
Pre-tax net operating income$-7,436,0006,931
Securities gains (losses)$2,723,00074
Applicable income taxes$2,089,000524
Income before extraordinary items$-6,802,0006,924
Extraordinary gains, net$022
Net income$-6,802,0006,924
Minority interest net income$082
Net income of bank and minority interests.$-6,802,0006,924
Net charge-offs$3,282,000303
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$-9,525,0006,929
2013-03-31 (YTD Data)Rank
Total interest income$11,372,000549
Total interest expense$2,254,000373
Net interest income$9,118,000587
Provision for loan and lease losses$04,409
Total noninterest income$3,533,000534
Gross Fiduciary activities income$108,000642
Service charges on deposit accounts$907,000394
Trading account gains and fees$0148
Additional Noninterest Income$2,518,000501
Total noninterest expense$17,265,000335
Salaries and employee benefits$7,689,000376
Premises and equipment expense$2,039,000317
Additional noninterest expense$7,537,000275
Pre-tax net operating income$-4,614,0007,006
Securities gains (losses)$1,778,00073
Applicable income taxes$1,546,000413
Income before extraordinary items$-4,382,0007,002
Extraordinary gains, net$010
Net income$-4,382,0007,002
Minority interest net income$076
Net income of bank and minority interests.$-4,382,0007,002
Net charge-offs$-70,0006,782
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$-6,160,0007,003
2012-12-31 (YTD Data)Rank
Total interest income$48,242,000538
Total interest expense$13,215,000312
Net interest income$35,027,000616
Provision for loan and lease losses$8,497,000318
Total noninterest income$-3,373,0007,064
Gross Fiduciary activities income$459,000622
Service charges on deposit accounts$4,759,000323
Trading account gains and fees$0166
Additional Noninterest Income$-8,591,0007,081
Total noninterest expense$64,606,000350
Salaries and employee benefits$28,483,000390
Premises and equipment expense$7,516,000336
Additional noninterest expense$28,607,000297
Pre-tax net operating income$-41,449,0007,080
Securities gains (losses)$899,000591
Applicable income taxes$-904,0006,954
Income before extraordinary items$-39,646,0007,072
Extraordinary gains, net$029
Net income$-39,646,0007,072
Minority interest net income$093
Net income of bank and minority interests.$-39,646,0007,072
Net charge-offs$24,481,000154
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$6,704,00062
Net operating income$-40,527,0207,070
2012-09-30 (YTD Data)Rank
Total interest income$36,506,000541
Total interest expense$10,463,000307
Net interest income$26,043,000620
Provision for loan and lease losses$7,231,000298
Total noninterest income$-4,951,0007,174
Gross Fiduciary activities income$347,000623
Service charges on deposit accounts$3,629,000319
Trading account gains and fees$0157
Additional Noninterest Income$-8,927,0007,183
Total noninterest expense$48,414,000350
Salaries and employee benefits$21,905,000380
Premises and equipment expense$5,433,000347
Additional noninterest expense$21,076,000300
Pre-tax net operating income$-34,553,0007,180
Securities gains (losses)$903,000449
Applicable income taxes$-128,0006,932
Income before extraordinary items$-33,522,0007,172
Extraordinary gains, net$020
Net income$-33,522,0007,172
Minority interest net income$086
Net income of bank and minority interests.$-33,522,0007,172
Net charge-offs$19,534,000148
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$6,704,00040
Net operating income$-34,425,0007,172
2012-06-30 (YTD Data)Rank
Total interest income$23,906,000561
Total interest expense$7,357,000298
Net interest income$16,549,000648
Provision for loan and lease losses$7,494,000214
Total noninterest income$-6,711,0007,242
Gross Fiduciary activities income$230,000627
Service charges on deposit accounts$2,431,000312
Trading account gains and fees$0153
Additional Noninterest Income$-9,372,0007,249
Total noninterest expense$32,271,000346
Salaries and employee benefits$14,865,000368
Premises and equipment expense$3,579,000349
Additional noninterest expense$13,827,000299
Pre-tax net operating income$-29,927,0007,246
Securities gains (losses)$680,000411
Applicable income taxes$-51,0006,945
Income before extraordinary items$-29,196,0007,238
Extraordinary gains, net$019
Net income$-29,196,0007,238
Minority interest net income$084
Net income of bank and minority interests.$-29,196,0007,238
Net charge-offs$12,099,000163
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$6,704,00032
Net operating income$-29,876,0007,238
2012-03-31 (YTD Data)Rank
Total interest income$11,657,000580
Total interest expense$3,854,000295
Net interest income$7,803,000699
Provision for loan and lease losses$3,067,000247
Total noninterest income$-956,0007,296
Gross Fiduciary activities income$113,000630
Service charges on deposit accounts$1,226,000305
Trading account gains and fees$0148
Additional Noninterest Income$-2,295,0007,309
Total noninterest expense$15,957,000349
Salaries and employee benefits$7,308,000369
Premises and equipment expense$1,772,000355
Additional noninterest expense$6,877,000296
Pre-tax net operating income$-12,177,0007,308
Securities gains (losses)$02,210
Applicable income taxes$-77,0007,143
Income before extraordinary items$-12,100,0007,300
Extraordinary gains, net$019
Net income$-12,100,0007,300
Minority interest net income$078
Net income of bank and minority interests.$-12,100,0007,300
Net charge-offs$2,683,000312
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$3,000776
Net operating income$-12,100,0007,300
2011-12-31 (YTD Data)Rank
Total interest income$56,188,000483
Total interest expense$21,831,000250
Net interest income$34,357,000623
Provision for loan and lease losses$67,362,00092
Total noninterest income$-29,845,0007,352
Gross Fiduciary activities income$790,000452
Service charges on deposit accounts$5,574,000289
Trading account gains and fees$0146
Additional Noninterest Income$-36,209,0007,362
Total noninterest expense$79,955,000280
Salaries and employee benefits$27,337,000372
Premises and equipment expense$7,371,000354
Additional noninterest expense$45,247,000203
Pre-tax net operating income$-142,805,0007,360
Securities gains (losses)$7,308,00083
Applicable income taxes$-309,0006,985
Income before extraordinary items$-135,188,0007,349
Extraordinary gains, net$029
Net income$-135,188,0007,349
Minority interest net income$096
Net income of bank and minority interests.$-135,188,0007,349
Net charge-offs$121,703,00067
Cash dividends$756,0001,945
Sale, conversion, retirement of capital stock, net$1,896,000248
Net operating income$-142,496,0007,351
2011-09-30 (YTD Data)Rank
Total interest income$44,082,000468
Total interest expense$17,082,000252
Net interest income$27,000,000597
Provision for loan and lease losses$60,944,00074
Total noninterest income$-15,943,0007,429
Gross Fiduciary activities income$653,000424
Service charges on deposit accounts$4,306,000281
Trading account gains and fees$0145
Additional Noninterest Income$-20,902,0007,439
Total noninterest expense$60,387,000272
Salaries and employee benefits$20,381,000376
Premises and equipment expense$5,636,000349
Additional noninterest expense$34,370,000198
Pre-tax net operating income$-110,274,0007,442
Securities gains (losses)$7,308,00062
Applicable income taxes$-184,0007,079
Income before extraordinary items$-102,782,0007,433
Extraordinary gains, net$021
Net income$-102,782,0007,433
Minority interest net income$087
Net income of bank and minority interests.$-102,782,0007,433
Net charge-offs$110,510,00063
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$5,017,000114
Net operating income$-110,090,0007,433
2011-06-30 (YTD Data)Rank
Total interest income$30,717,000460
Total interest expense$11,730,000261
Net interest income$18,987,000576
Provision for loan and lease losses$53,763,00070
Total noninterest income$-16,831,0007,508
Gross Fiduciary activities income$528,000391
Service charges on deposit accounts$2,929,000273
Trading account gains and fees$0153
Additional Noninterest Income$-20,288,0007,518
Total noninterest expense$41,343,000271
Salaries and employee benefits$14,003,000360
Premises and equipment expense$3,845,000352
Additional noninterest expense$23,495,000201
Pre-tax net operating income$-92,950,0007,516
Securities gains (losses)$84,0001,260
Applicable income taxes$-1,512,0007,442
Income before extraordinary items$-91,354,0007,508
Extraordinary gains, net$015
Net income$-91,354,0007,508
Minority interest net income$089
Net income of bank and minority interests.$-91,354,0007,508
Net charge-offs$88,083,00065
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$5,012,00057
Net operating income$-91,436,3207,508
2011-03-31 (YTD Data)Rank
Total interest income$15,513,000458
Total interest expense$5,999,000268
Net interest income$9,514,000575
Provision for loan and lease losses$20,182,00089
Total noninterest income$-11,006,0007,571
Gross Fiduciary activities income$293,000367
Service charges on deposit accounts$1,445,000275
Trading account gains and fees$0158
Additional Noninterest Income$-12,744,0007,580
Total noninterest expense$21,873,000256
Salaries and employee benefits$7,375,000341
Premises and equipment expense$1,905,000355
Additional noninterest expense$12,593,000192
Pre-tax net operating income$-43,547,0007,574
Securities gains (losses)$13,0001,224
Applicable income taxes$-128,0007,319
Income before extraordinary items$-43,406,0007,565
Extraordinary gains, net$09
Net income$-43,406,0007,565
Minority interest net income$086
Net income of bank and minority interests.$-43,406,0007,565
Net charge-offs$45,141,00063
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$5,008,00028
Net operating income$-43,419,0007,564
2010-12-31 (YTD Data)Rank
Total interest income$82,835,000370
Total interest expense$29,114,000268
Net interest income$53,721,000410
Provision for loan and lease losses$132,755,00088
Total noninterest income$20,309,000390
Gross Fiduciary activities income$1,417,000327
Service charges on deposit accounts$7,358,000221
Trading account gains and fees$0175
Additional Noninterest Income$11,534,000414
Total noninterest expense$80,658,000270
Salaries and employee benefits$29,847,000328
Premises and equipment expense$7,978,000340
Additional noninterest expense$42,833,000223
Pre-tax net operating income$-139,383,0007,641
Securities gains (losses)$10,647,00061
Applicable income taxes$1,259,0001,022
Income before extraordinary items$-129,995,0007,635
Extraordinary gains, net$029
Net income$-129,995,0007,635
Minority interest net income$0111
Net income of bank and minority interests.$-129,995,0007,635
Net charge-offs$88,529,000114
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$7,530,00096
Net operating income$-140,642,0007,635
2010-09-30 (YTD Data)Rank
Total interest income$64,884,000354
Total interest expense$22,462,000270
Net interest income$42,422,000388
Provision for loan and lease losses$92,811,00099
Total noninterest income$16,251,000360
Gross Fiduciary activities income$978,000340
Service charges on deposit accounts$5,690,000217
Trading account gains and fees$0165
Additional Noninterest Income$9,583,000372
Total noninterest expense$51,970,000307
Salaries and employee benefits$22,436,000324
Premises and equipment expense$6,032,000337
Additional noninterest expense$23,502,000270
Pre-tax net operating income$-86,108,0007,744
Securities gains (losses)$1,827,000238
Applicable income taxes$-1,832,0007,591
Income before extraordinary items$-82,449,0007,738
Extraordinary gains, net$023
Net income$-82,449,0007,738
Minority interest net income$0110
Net income of bank and minority interests.$-82,449,0007,738
Net charge-offs$76,207,000104
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$22,000977
Net operating income$-84,239,4607,737
2010-06-30 (YTD Data)Rank
Total interest income$45,508,000342
Total interest expense$15,051,000278
Net interest income$30,457,000364
Provision for loan and lease losses$36,918,000139
Total noninterest income$10,051,000371
Gross Fiduciary activities income$661,000336
Service charges on deposit accounts$3,919,000213
Trading account gains and fees$0152
Additional Noninterest Income$5,471,000397
Total noninterest expense$34,897,000309
Salaries and employee benefits$15,155,000320
Premises and equipment expense$4,033,000336
Additional noninterest expense$15,709,000274
Pre-tax net operating income$-31,307,0007,780
Securities gains (losses)$1,497,000181
Applicable income taxes$-1,915,0007,694
Income before extraordinary items$-27,895,0007,775
Extraordinary gains, net$019
Net income$-27,895,0007,775
Minority interest net income$0105
Net income of bank and minority interests.$-27,895,0007,775
Net charge-offs$16,620,000225
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$13,000925
Net operating income$-29,302,1807,778
2010-03-31 (YTD Data)Rank
Total interest income$23,751,000336
Total interest expense$7,680,000289
Net interest income$16,071,000351
Provision for loan and lease losses$9,490,000233
Total noninterest income$4,949,000380
Gross Fiduciary activities income$329,000345
Service charges on deposit accounts$1,938,000217
Trading account gains and fees$0175
Additional Noninterest Income$2,682,000398
Total noninterest expense$14,750,000360
Salaries and employee benefits$7,612,000328
Premises and equipment expense$2,054,000343
Additional noninterest expense$5,084,000375
Pre-tax net operating income$-3,220,0007,705
Securities gains (losses)$669,000190
Applicable income taxes$740,000485
Income before extraordinary items$-3,291,0007,726
Extraordinary gains, net$016
Net income$-3,291,0007,727
Minority interest net income$091
Net income of bank and minority interests.$-3,291,0007,727
Net charge-offs$3,056,000482
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$21,000652
Net operating income$-3,960,0007,748
2009-12-31 (YTD Data)Rank
Total interest income$103,171,000329
Total interest expense$39,235,000289
Net interest income$63,936,000341
Provision for loan and lease losses$61,741,000204
Total noninterest income$25,640,000331
Gross Fiduciary activities income$1,292,000331
Service charges on deposit accounts$8,956,000208
Trading account gains and fees$0211
Additional Noninterest Income$15,392,000325
Total noninterest expense$119,505,000202
Salaries and employee benefits$32,393,000293
Premises and equipment expense$8,573,000327
Additional noninterest expense$78,539,000158
Pre-tax net operating income$-91,670,0007,925
Securities gains (losses)$-3,930,0007,871
Applicable income taxes$4,736,000277
Income before extraordinary items$-100,336,0007,932
Extraordinary gains, net$034
Net income$-100,336,0007,930
Minority interest net income$0115
Net income of bank and minority interests.$-100,336,0007,931
Net charge-offs$46,999,000211
Cash dividends$1,200,0001,416
Sale, conversion, retirement of capital stock, net$262,000657
Net operating income$-96,406,0007,929
2009-09-30 (YTD Data)Rank
Total interest income$77,897,000341
Total interest expense$30,742,000300
Net interest income$47,155,000360
Provision for loan and lease losses$37,084,000251
Total noninterest income$20,428,000322
Gross Fiduciary activities income$920,000341
Service charges on deposit accounts$6,640,000209
Trading account gains and fees$0212
Additional Noninterest Income$12,868,000310
Total noninterest expense$103,177,000191
Salaries and employee benefits$25,853,000280
Premises and equipment expense$6,439,000335
Additional noninterest expense$70,885,000139
Pre-tax net operating income$-72,678,0008,014
Securities gains (losses)$-4,368,0007,995
Applicable income taxes$-4,463,0007,888
Income before extraordinary items$-72,583,0008,013
Extraordinary gains, net$027
Net income$-72,583,0008,012
Minority interest net income$0118
Net income of bank and minority interests.$-72,583,0008,012
Net charge-offs$29,455,000223
Cash dividends$1,200,0001,058
Sale, conversion, retirement of capital stock, net$207,000573
Net operating income$-68,477,0808,014
2009-06-30 (YTD Data)Rank
Total interest income$51,399,000353
Total interest expense$21,075,000309
Net interest income$30,324,000370
Provision for loan and lease losses$19,584,000300
Total noninterest income$12,111,000352
Gross Fiduciary activities income$580,000353
Service charges on deposit accounts$4,306,000213
Trading account gains and fees$0193
Additional Noninterest Income$7,225,000353
Total noninterest expense$31,696,000371
Salaries and employee benefits$17,003,000291
Premises and equipment expense$4,341,000333
Additional noninterest expense$10,352,000420
Pre-tax net operating income$-8,845,0007,896
Securities gains (losses)$-1,002,0008,005
Applicable income taxes$-4,452,0008,021
Income before extraordinary items$-5,395,0007,822
Extraordinary gains, net$021
Net income$-5,395,0007,821
Minority interest net income$0112
Net income of bank and minority interests.$-5,395,0007,821
Net charge-offs$17,459,000256
Cash dividends$1,200,000745
Sale, conversion, retirement of capital stock, net$274,000428
Net operating income$-4,753,7207,798
2009-03-31 (YTD Data)Rank
Total interest income$25,345,000363
Total interest expense$10,731,000317
Net interest income$14,614,000376
Provision for loan and lease losses$14,059,000202
Total noninterest income$5,875,000330
Gross Fiduciary activities income$272,000369
Service charges on deposit accounts$2,074,000218
Trading account gains and fees$0171
Additional Noninterest Income$3,529,000332
Total noninterest expense$15,709,000351
Salaries and employee benefits$8,510,000293
Premises and equipment expense$2,309,000322
Additional noninterest expense$4,890,000392
Pre-tax net operating income$-9,279,0008,105
Securities gains (losses)$-6,0007,794
Applicable income taxes$-3,913,0008,142
Income before extraordinary items$-5,372,0008,067
Extraordinary gains, net$015
Net income$-5,372,0008,067
Minority interest net income$0102
Net income of bank and minority interests.$-5,372,0008,067
Net charge-offs$10,205,000207
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$137,000320
Net operating income$-5,368,1608,069
2008-12-31 (YTD Data)Rank
Total interest income$114,034,000353
Total interest expense$51,114,000316
Net interest income$62,920,000370
Provision for loan and lease losses$27,759,000288
Total noninterest income$22,223,000327
Gross Fiduciary activities income$1,418,000329
Service charges on deposit accounts$9,167,000206
Trading account gains and fees$0154
Additional Noninterest Income$11,638,000353
Total noninterest expense$117,943,000217
Salaries and employee benefits$33,525,000285
Premises and equipment expense$9,137,000310
Additional noninterest expense$75,281,000169
Pre-tax net operating income$-60,559,0008,212
Securities gains (losses)$646,000303
Applicable income taxes$-2,069,0007,928
Income before extraordinary items$-57,844,0008,197
Extraordinary gains, net$039
Net income$-57,844,0008,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,383,000398
Cash dividends$9,525,000311
Sale, conversion, retirement of capital stock, net$655,000488
Net operating income$-58,470,6208,207
2008-09-30 (YTD Data)Rank
Total interest income$87,392,000362
Total interest expense$39,296,000330
Net interest income$48,096,000375
Provision for loan and lease losses$12,267,000351
Total noninterest income$15,257,000374
Gross Fiduciary activities income$1,055,000337
Service charges on deposit accounts$6,628,000227
Trading account gains and fees$0148
Additional Noninterest Income$7,574,000411
Total noninterest expense$47,778,000332
Salaries and employee benefits$26,647,000286
Premises and equipment expense$7,392,000300
Additional noninterest expense$13,739,000393
Pre-tax net operating income$3,308,0001,478
Securities gains (losses)$6,0002,568
Applicable income taxes$1,122,0001,052
Income before extraordinary items$2,192,0001,646
Extraordinary gains, net$031
Net income$2,192,0001,645
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,860,000658
Cash dividends$7,850,000288
Sale, conversion, retirement of capital stock, net$461,000396
Net operating income$2,188,0401,740
2008-06-30 (YTD Data)Rank
Total interest income$58,535,000368
Total interest expense$26,660,000337
Net interest income$31,875,000376
Provision for loan and lease losses$2,897,000618
Total noninterest income$9,362,000400
Gross Fiduciary activities income$931,000293
Service charges on deposit accounts$4,223,000232
Trading account gains and fees$0149
Additional Noninterest Income$4,208,000488
Total noninterest expense$32,459,000324
Salaries and employee benefits$17,364,000298
Premises and equipment expense$4,906,000301
Additional noninterest expense$10,189,000356
Pre-tax net operating income$5,881,000602
Securities gains (losses)$6,0002,681
Applicable income taxes$2,467,000442
Income before extraordinary items$3,420,000803
Extraordinary gains, net$021
Net income$3,420,000802
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,395,000702
Cash dividends$6,457,000266
Sale, conversion, retirement of capital stock, net$389,000293
Net operating income$3,416,160791
2008-03-31 (YTD Data)Rank
Total interest income$30,167,000366
Total interest expense$13,871,000347
Net interest income$16,296,000369
Provision for loan and lease losses$1,514,000471
Total noninterest income$4,105,000455
Gross Fiduciary activities income$463,000294
Service charges on deposit accounts$2,084,000229
Trading account gains and fees$0158
Additional Noninterest Income$1,558,000601
Total noninterest expense$14,427,000370
Salaries and employee benefits$7,998,000329
Premises and equipment expense$2,336,000317
Additional noninterest expense$4,093,000398
Pre-tax net operating income$4,460,000452
Securities gains (losses)$02,688
Applicable income taxes$1,574,000410
Income before extraordinary items$2,886,000528
Extraordinary gains, net$015
Net income$2,886,000529
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$642,000607
Cash dividends$3,600,000247
Sale, conversion, retirement of capital stock, net$205,000211
Net operating income$2,886,000502
2007-12-31 (YTD Data)Rank
Total interest income$125,556,000367
Total interest expense$57,542,000376
Net interest income$68,014,000364
Provision for loan and lease losses$5,514,000379
Total noninterest income$17,963,000412
Gross Fiduciary activities income$1,281,000366
Service charges on deposit accounts$9,012,000210
Trading account gains and fees$0178
Additional Noninterest Income$7,670,000489
Total noninterest expense$57,233,000350
Salaries and employee benefits$30,841,000320
Premises and equipment expense$9,452,000296
Additional noninterest expense$16,940,000393
Pre-tax net operating income$23,230,000416
Securities gains (losses)$02,146
Applicable income taxes$8,002,000387
Income before extraordinary items$15,228,000448
Extraordinary gains, net$039
Net income$15,228,000445
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,775,000386
Cash dividends$10,900,000391
Sale, conversion, retirement of capital stock, net$1,032,000426
Net operating income$15,228,000442
2007-09-30 (YTD Data)Rank
Total interest income$94,042,000372
Total interest expense$42,869,000380
Net interest income$51,173,000363
Provision for loan and lease losses$1,708,000588
Total noninterest income$13,723,000405
Gross Fiduciary activities income$1,268,000303
Service charges on deposit accounts$6,578,000209
Trading account gains and fees$0184
Additional Noninterest Income$5,877,000492
Total noninterest expense$42,853,000345
Salaries and employee benefits$23,476,000316
Premises and equipment expense$7,042,000301
Additional noninterest expense$12,335,000388
Pre-tax net operating income$20,335,000407
Securities gains (losses)$01,655
Applicable income taxes$6,983,000378
Income before extraordinary items$13,352,000430
Extraordinary gains, net$033
Net income$13,352,000428
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,696,000450
Cash dividends$4,900,000587
Sale, conversion, retirement of capital stock, net$784,000348
Net operating income$13,352,000420
2007-06-30 (YTD Data)Rank
Total interest income$62,116,000383
Total interest expense$28,049,000391
Net interest income$34,067,000373
Provision for loan and lease losses$1,000,000585
Total noninterest income$8,394,000440
Gross Fiduciary activities income$615,000373
Service charges on deposit accounts$4,329,000217
Trading account gains and fees$0168
Additional Noninterest Income$3,450,000558
Total noninterest expense$27,733,000366
Salaries and employee benefits$15,258,000338
Premises and equipment expense$4,662,000310
Additional noninterest expense$7,813,000410
Pre-tax net operating income$13,728,000435
Securities gains (losses)$01,444
Applicable income taxes$4,709,000404
Income before extraordinary items$9,019,000457
Extraordinary gains, net$029
Net income$9,019,000456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,238,000387
Cash dividends$3,200,000611
Sale, conversion, retirement of capital stock, net$570,000283
Net operating income$9,019,000445
2007-03-31 (YTD Data)Rank
Total interest income$30,690,000386
Total interest expense$13,785,000392
Net interest income$16,905,000372
Provision for loan and lease losses$524,000508
Total noninterest income$4,030,000449
Gross Fiduciary activities income$295,000384
Service charges on deposit accounts$2,050,000217
Trading account gains and fees$0195
Additional Noninterest Income$1,685,000559
Total noninterest expense$13,513,000373
Salaries and employee benefits$7,762,000336
Premises and equipment expense$2,154,000334
Additional noninterest expense$3,597,000424
Pre-tax net operating income$6,898,000427
Securities gains (losses)$01,187
Applicable income taxes$2,345,000405
Income before extraordinary items$4,553,000450
Extraordinary gains, net$022
Net income$4,553,000449
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$710,000317
Cash dividends$1,700,000528
Sale, conversion, retirement of capital stock, net$328,000198
Net operating income$4,553,000442
2006-12-31 (YTD Data)Rank
Total interest income$102,461,000412
Total interest expense$42,950,000419
Net interest income$59,511,000396
Provision for loan and lease losses$2,526,000456
Total noninterest income$15,986,000449
Gross Fiduciary activities income$975,000410
Service charges on deposit accounts$8,214,000214
Trading account gains and fees$0130
Additional Noninterest Income$6,797,000547
Total noninterest expense$48,093,000403
Salaries and employee benefits$25,795,000383
Premises and equipment expense$7,173,000369
Additional noninterest expense$15,125,000404
Pre-tax net operating income$24,878,000463
Securities gains (losses)$-561,0008,525
Applicable income taxes$8,356,000441
Income before extraordinary items$15,961,000501
Extraordinary gains, net$051
Net income$15,961,000500
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,885,000410
Cash dividends$5,180,000685
Sale, conversion, retirement of capital stock, net$918,000511
Net operating income$16,331,260485
2006-09-30 (YTD Data)Rank
Total interest income$72,201,000438
Total interest expense$29,662,000451
Net interest income$42,539,000426
Provision for loan and lease losses$2,306,000350
Total noninterest income$11,322,000485
Gross Fiduciary activities income$699,000422
Service charges on deposit accounts$5,828,000227
Trading account gains and fees$0126
Additional Noninterest Income$4,795,000576
Total noninterest expense$34,515,000427
Salaries and employee benefits$18,737,000404
Premises and equipment expense$4,989,000400
Additional noninterest expense$10,789,000424
Pre-tax net operating income$17,040,000509
Securities gains (losses)$-560,0008,639
Applicable income taxes$5,875,000482
Income before extraordinary items$10,605,000571
Extraordinary gains, net$045
Net income$10,605,000571
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,971,000280
Cash dividends$2,580,000933
Sale, conversion, retirement of capital stock, net$677,000422
Net operating income$10,963,400546
2006-06-30 (YTD Data)Rank
Total interest income$34,813,000579
Total interest expense$13,652,000591
Net interest income$21,161,000560
Provision for loan and lease losses$881,000591
Total noninterest income$5,578,000580
Gross Fiduciary activities income$466,000426
Service charges on deposit accounts$2,965,000295
Trading account gains and fees$0126
Additional Noninterest Income$2,147,000770
Total noninterest expense$16,935,000558
Salaries and employee benefits$9,534,000522
Premises and equipment expense$2,378,000542
Additional noninterest expense$5,023,000567
Pre-tax net operating income$8,923,000612
Securities gains (losses)$01,185
Applicable income taxes$3,093,000580
Income before extraordinary items$5,830,000682
Extraordinary gains, net$039
Net income$5,830,000680
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$958,000351
Cash dividends$2,580,000658
Sale, conversion, retirement of capital stock, net$264,000399
Net operating income$5,830,000668
2006-03-31 (YTD Data)Rank
Total interest income$16,935,000577
Total interest expense$6,570,000584
Net interest income$10,365,000562
Provision for loan and lease losses$77,0002,375
Total noninterest income$2,675,000587
Gross Fiduciary activities income$236,000421
Service charges on deposit accounts$1,417,000299
Trading account gains and fees$0115
Additional Noninterest Income$1,022,000792
Total noninterest expense$8,547,000550
Salaries and employee benefits$4,715,000527
Premises and equipment expense$1,140,000564
Additional noninterest expense$2,692,000528
Pre-tax net operating income$4,416,000606
Securities gains (losses)$0955
Applicable income taxes$1,526,000579
Income before extraordinary items$2,890,000673
Extraordinary gains, net$021
Net income$2,890,000672
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0001,294
Cash dividends$960,000793
Sale, conversion, retirement of capital stock, net$141,000275
Net operating income$2,890,000657
2005-12-31 (YTD Data)Rank
Total interest income$51,881,000632
Total interest expense$17,928,000641
Net interest income$33,953,000632
Provision for loan and lease losses$2,742,000389
Total noninterest income$11,204,000572
Gross Fiduciary activities income$797,000451
Service charges on deposit accounts$6,026,000282
Trading account gains and fees$0138
Additional Noninterest Income$4,381,000742
Total noninterest expense$27,139,000635
Salaries and employee benefits$15,930,000573
Premises and equipment expense$3,643,000683
Additional noninterest expense$7,566,000699
Pre-tax net operating income$15,276,000667
Securities gains (losses)$02,296
Applicable income taxes$5,016,000640
Income before extraordinary items$10,260,000706
Extraordinary gains, net$046
Net income$10,260,000708
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,644,000468
Cash dividends$3,606,000889
Sale, conversion, retirement of capital stock, net$0934
Net operating income$10,260,000692
2005-09-30 (YTD Data)Rank
Total interest income$37,456,000633
Total interest expense$12,598,000642
Net interest income$24,858,000635
Provision for loan and lease losses$1,680,000455
Total noninterest income$8,216,000587
Gross Fiduciary activities income$589,000446
Service charges on deposit accounts$4,429,000283
Trading account gains and fees$0126
Additional Noninterest Income$3,198,000766
Total noninterest expense$20,424,000636
Salaries and employee benefits$12,177,000560
Premises and equipment expense$2,664,000687
Additional noninterest expense$5,583,000709
Pre-tax net operating income$10,970,000680
Securities gains (losses)$02,317
Applicable income taxes$3,548,000674
Income before extraordinary items$7,422,000729
Extraordinary gains, net$035
Net income$7,422,000730
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$947,000512
Cash dividends$2,526,000865
Sale, conversion, retirement of capital stock, net$0769
Net operating income$7,422,000709
2005-06-30 (YTD Data)Rank
Total interest income$24,044,000640
Total interest expense$7,900,000644
Net interest income$16,144,000642
Provision for loan and lease losses$1,234,000404
Total noninterest income$5,391,000588
Gross Fiduciary activities income$392,000444
Service charges on deposit accounts$2,834,000290
Trading account gains and fees$0116
Additional Noninterest Income$2,165,000759
Total noninterest expense$13,119,000655
Salaries and employee benefits$7,805,000584
Premises and equipment expense$1,713,000697
Additional noninterest expense$3,601,000724
Pre-tax net operating income$7,182,000676
Securities gains (losses)$02,146
Applicable income taxes$2,309,000678
Income before extraordinary items$4,873,000723
Extraordinary gains, net$030
Net income$4,873,000724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$795,000433
Cash dividends$1,683,000855
Sale, conversion, retirement of capital stock, net$0643
Net operating income$4,873,000708
2005-03-31 (YTD Data)Rank
Total interest income$11,653,000647
Total interest expense$3,758,000635
Net interest income$7,895,000650
Provision for loan and lease losses$370,000642
Total noninterest income$2,491,000609
Gross Fiduciary activities income$190,000464
Service charges on deposit accounts$1,282,000305
Trading account gains and fees$0115
Additional Noninterest Income$1,019,000776
Total noninterest expense$6,325,000668
Salaries and employee benefits$3,788,000592
Premises and equipment expense$836,000715
Additional noninterest expense$1,701,000746
Pre-tax net operating income$3,691,000666
Securities gains (losses)$01,685
Applicable income taxes$1,191,000666
Income before extraordinary items$2,500,000714
Extraordinary gains, net$024
Net income$2,500,000714
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0001,076
Cash dividends$840,000782
Sale, conversion, retirement of capital stock, net$0491
Net operating income$2,500,000694
2004-12-31 (YTD Data)Rank
Total interest income$39,836,000700
Total interest expense$11,749,000701
Net interest income$28,087,000696
Provision for loan and lease losses$4,030,000301
Total noninterest income$10,827,000570
Gross Fiduciary activities income$659,000475
Service charges on deposit accounts$5,419,000314
Trading account gains and fees$0138
Additional Noninterest Income$4,749,000695
Total noninterest expense$25,255,000651
Salaries and employee benefits$14,502,000591
Premises and equipment expense$3,193,000722
Additional noninterest expense$7,560,000691
Pre-tax net operating income$9,629,000912
Securities gains (losses)$03,819
Applicable income taxes$2,563,0001,024
Income before extraordinary items$7,066,000933
Extraordinary gains, net$034
Net income$7,066,000934
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,909,000351
Cash dividends$4,140,000739
Sale, conversion, retirement of capital stock, net$0872
Net operating income$7,066,000888
2004-09-30 (YTD Data)Rank
Total interest income$23,535,000877
Total interest expense$6,779,000871
Net interest income$16,756,000880
Provision for loan and lease losses$2,595,000352
Total noninterest income$6,903,000658
Gross Fiduciary activities income$446,000510
Service charges on deposit accounts$3,431,000380
Trading account gains and fees$0134
Additional Noninterest Income$3,026,000789
Total noninterest expense$15,490,000776
Salaries and employee benefits$9,100,000698
Premises and equipment expense$2,066,000824
Additional noninterest expense$4,324,000856
Pre-tax net operating income$5,574,0001,181
Securities gains (losses)$03,710
Applicable income taxes$1,444,0001,322
Income before extraordinary items$4,130,0001,195
Extraordinary gains, net$026
Net income$4,130,0001,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,074,000344
Cash dividends$2,973,000709
Sale, conversion, retirement of capital stock, net$0738
Net operating income$4,130,0001,157
2004-06-30 (YTD Data)Rank
Total interest income$15,330,000880
Total interest expense$4,437,000878
Net interest income$10,893,000897
Provision for loan and lease losses$2,145,000301
Total noninterest income$4,480,000672
Gross Fiduciary activities income$288,000524
Service charges on deposit accounts$2,214,000393
Trading account gains and fees$0130
Additional Noninterest Income$1,978,000803
Total noninterest expense$10,319,000777
Salaries and employee benefits$6,024,000703
Premises and equipment expense$1,370,000822
Additional noninterest expense$2,925,000845
Pre-tax net operating income$2,909,0001,462
Securities gains (losses)$03,413
Applicable income taxes$651,0001,805
Income before extraordinary items$2,258,0001,431
Extraordinary gains, net$021
Net income$2,258,0001,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,957,000266
Cash dividends$1,575,000850
Sale, conversion, retirement of capital stock, net$0638
Net operating income$2,258,0001,375
2004-03-31 (YTD Data)Rank
Total interest income$7,631,000898
Total interest expense$2,198,000903
Net interest income$5,433,000905
Provision for loan and lease losses$190,0001,202
Total noninterest income$2,313,000648
Gross Fiduciary activities income$141,000540
Service charges on deposit accounts$1,064,000400
Trading account gains and fees$0121
Additional Noninterest Income$1,108,000736
Total noninterest expense$5,176,000782
Salaries and employee benefits$3,054,000704
Premises and equipment expense$691,000831
Additional noninterest expense$1,431,000864
Pre-tax net operating income$2,380,000906
Securities gains (losses)$02,934
Applicable income taxes$670,0001,019
Income before extraordinary items$1,710,000952
Extraordinary gains, net$016
Net income$1,710,000952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0001,240
Cash dividends$729,000889
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,710,000908
2003-12-31 (YTD Data)Rank
Total interest income$32,085,000879
Total interest expense$10,073,000876
Net interest income$22,012,000882
Provision for loan and lease losses$1,630,000767
Total noninterest income$9,757,000665
Gross Fiduciary activities income$484,000575
Service charges on deposit accounts$4,488,000383
Trading account gains and fees$0160
Additional Noninterest Income$4,785,000792
Total noninterest expense$19,979,000812
Salaries and employee benefits$11,884,000718
Premises and equipment expense$2,865,000787
Additional noninterest expense$5,230,000975
Pre-tax net operating income$10,160,000846
Securities gains (losses)$04,500
Applicable income taxes$2,668,0001,013
Income before extraordinary items$7,492,000869
Extraordinary gains, net$054
Net income$7,492,000871
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,510,000681
Cash dividends$4,805,000678
Sale, conversion, retirement of capital stock, net$0868
Net operating income$7,492,000804
2003-09-30 (YTD Data)Rank
Total interest income$24,344,000884
Total interest expense$7,806,000887
Net interest income$16,538,000888
Provision for loan and lease losses$1,395,000686
Total noninterest income$7,438,000685
Gross Fiduciary activities income$349,000589
Service charges on deposit accounts$3,396,000390
Trading account gains and fees$0153
Additional Noninterest Income$3,693,000802
Total noninterest expense$14,961,000819
Salaries and employee benefits$8,846,000738
Premises and equipment expense$2,192,000785
Additional noninterest expense$3,923,000982
Pre-tax net operating income$7,620,000879
Securities gains (losses)$04,204
Applicable income taxes$1,956,0001,080
Income before extraordinary items$5,664,000897
Extraordinary gains, net$040
Net income$5,664,000897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,405,000556
Cash dividends$2,950,000749
Sale, conversion, retirement of capital stock, net$0722
Net operating income$5,664,000821
2003-06-30 (YTD Data)Rank
Total interest income$16,493,000887
Total interest expense$5,423,000878
Net interest income$11,070,000887
Provision for loan and lease losses$1,020,000632
Total noninterest income$5,154,000661
Gross Fiduciary activities income$213,000621
Service charges on deposit accounts$2,224,000388
Trading account gains and fees$0150
Additional Noninterest Income$2,717,000725
Total noninterest expense$9,766,000842
Salaries and employee benefits$5,758,000754
Premises and equipment expense$1,459,000787
Additional noninterest expense$2,549,000991
Pre-tax net operating income$5,438,000825
Securities gains (losses)$03,782
Applicable income taxes$1,596,000947
Income before extraordinary items$3,842,000887
Extraordinary gains, net$030
Net income$3,842,000888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,143,000479
Cash dividends$2,290,000659
Sale, conversion, retirement of capital stock, net$0589
Net operating income$3,842,000809
2003-03-31 (YTD Data)Rank
Total interest income$8,399,000880
Total interest expense$2,781,000883
Net interest income$5,618,000873
Provision for loan and lease losses$220,0001,270
Total noninterest income$2,401,000686
Gross Fiduciary activities income$91,000672
Service charges on deposit accounts$1,083,000382
Trading account gains and fees$0134
Additional Noninterest Income$1,227,000762
Total noninterest expense$4,843,000840
Salaries and employee benefits$2,840,000766
Premises and equipment expense$734,000793
Additional noninterest expense$1,269,000970
Pre-tax net operating income$2,956,000762
Securities gains (losses)$02,891
Applicable income taxes$895,000874
Income before extraordinary items$2,061,000822
Extraordinary gains, net$021
Net income$2,061,000821
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0001,025
Cash dividends$1,636,000446
Sale, conversion, retirement of capital stock, net$0419
Net operating income$2,061,000758
2002-12-31 (YTD Data)Rank
Total interest income$36,431,000828
Total interest expense$12,966,000874
Net interest income$23,465,000814
Provision for loan and lease losses$1,705,000847
Total noninterest income$7,692,000747
Gross Fiduciary activities income$324,000689
Service charges on deposit accounts$3,554,000464
Trading account gains and fees$0153
Additional Noninterest Income$3,814,000848
Total noninterest expense$18,495,000850
Salaries and employee benefits$10,705,000754
Premises and equipment expense$2,540,000858
Additional noninterest expense$5,250,000953
Pre-tax net operating income$10,957,000792
Securities gains (losses)$16,0003,321
Applicable income taxes$3,212,000873
Income before extraordinary items$7,761,000819
Extraordinary gains, net$070
Net income$7,761,000819
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,096,000882
Cash dividends$3,807,000774
Sale, conversion, retirement of capital stock, net$0862
Net operating income$7,749,640785
2001-12-31 (YTD Data)Rank
Total interest income$41,248,000829
Total interest expense$20,498,000798
Net interest income$20,750,000849
Provision for loan and lease losses$1,200,0001,082
Total noninterest income$5,893,000869
Gross Fiduciary activities income$205,000832
Service charges on deposit accounts$2,537,000595
Trading account gains and fees$0177
Additional Noninterest Income$3,151,000909
Total noninterest expense$16,044,000924
Salaries and employee benefits$9,137,000805
Premises and equipment expense$2,247,000926
Additional noninterest expense$4,660,0001,031
Pre-tax net operating income$9,399,000811
Securities gains (losses)$04,612
Applicable income taxes$2,648,000929
Income before extraordinary items$6,751,000820
Extraordinary gains, net$0105
Net income$6,751,000820
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,092,000885
Cash dividends$8,457,000423
Sale, conversion, retirement of capital stock, net$0922
Net operating income$6,751,000787
2000-12-31 (YTD Data)Rank
Total interest income$41,934,000850
Total interest expense$20,914,000852
Net interest income$21,020,000829
Provision for loan and lease losses$1,802,000662
Total noninterest income$4,424,0001,012
Gross Fiduciary activities income$223,000782
Service charges on deposit accounts$2,236,000599
Trading account gains and fees$0180
Additional Noninterest Income$1,965,0001,146
Total noninterest expense$18,316,000808
Salaries and employee benefits$8,561,000820
Premises and equipment expense$2,543,000790
Additional noninterest expense$7,212,000727
Pre-tax net operating income$5,326,0001,391
Securities gains (losses)$01,956
Applicable income taxes$1,686,0001,366
Income before extraordinary items$3,640,0001,454
Extraordinary gains, net$038
Net income$3,640,0001,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$660,0001,012
Cash dividends$2,403,0001,160
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,640,0001,448
1999-12-31 (YTD Data)Rank
Total interest income$27,305,0001,196
Total interest expense$11,815,0001,277
Net interest income$15,490,0001,131
Provision for loan and lease losses$405,0002,081
Total noninterest income$3,422,0001,210
Gross Fiduciary activities income$183,000884
Service charges on deposit accounts$1,791,000744
Trading account gains and fees$0173
Additional Noninterest Income$1,448,0001,432
Total noninterest expense$11,840,0001,168
Salaries and employee benefits$6,277,0001,095
Premises and equipment expense$1,877,0001,077
Additional noninterest expense$3,686,0001,248
Pre-tax net operating income$6,667,0001,162
Securities gains (losses)$03,155
Applicable income taxes$1,994,0001,235
Income before extraordinary items$4,673,0001,172
Extraordinary gains, net$035
Net income$4,673,0001,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$177,0002,576
Cash dividends$2,364,0001,186
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$4,673,0001,156
1998-12-31 (YTD Data)Rank
Total interest income$26,408,0001,229
Total interest expense$11,590,0001,337
Net interest income$14,818,0001,143
Provision for loan and lease losses$390,0002,106
Total noninterest income$3,204,0001,285
Gross Fiduciary activities income$145,000939
Service charges on deposit accounts$1,737,000711
Trading account gains and fees$0224
Additional Noninterest Income$1,322,0001,520
Total noninterest expense$11,060,0001,197
Salaries and employee benefits$5,518,0001,189
Premises and equipment expense$1,373,0001,427
Additional noninterest expense$4,169,0001,090
Pre-tax net operating income$6,572,0001,140
Securities gains (losses)$04,449
Applicable income taxes$1,993,0001,271
Income before extraordinary items$4,579,0001,170
Extraordinary gains, net$032
Net income$4,579,0001,170
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$167,0002,741
Cash dividends$1,635,0001,547
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$4,579,0001,135
1997-12-31 (YTD Data)Rank
Total interest income$24,506,0001,352
Total interest expense$10,576,0001,472
Net interest income$13,930,0001,242
Provision for loan and lease losses$600,0001,510
Total noninterest income$2,875,0001,328
Gross Fiduciary activities income$124,0001,004
Service charges on deposit accounts$1,533,000837
Trading account gains and fees$0239
Additional Noninterest Income$1,218,0001,540
Total noninterest expense$10,265,0001,292
Salaries and employee benefits$5,318,0001,236
Premises and equipment expense$1,339,0001,458
Additional noninterest expense$3,608,0001,219
Pre-tax net operating income$5,940,0001,307
Securities gains (losses)$03,944
Applicable income taxes$1,826,0001,436
Income before extraordinary items$4,114,0001,327
Extraordinary gains, net$044
Net income$4,114,0001,328
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$292,0001,995
Cash dividends$1,137,0001,969
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$4,114,0001,289
1996-12-31 (YTD Data)Rank
Total interest income$22,244,0001,515
Total interest expense$9,612,0001,650
Net interest income$12,632,0001,419
Provision for loan and lease losses$490,0001,759
Total noninterest income$2,444,0001,580
Gross Fiduciary activities income$81,0001,152
Service charges on deposit accounts$1,415,000938
Trading account gains and fees$0262
Additional Noninterest Income$948,0001,879
Total noninterest expense$9,062,0001,565
Salaries and employee benefits$4,733,0001,416
Premises and equipment expense$1,147,0001,758
Additional noninterest expense$3,182,0001,635
Pre-tax net operating income$5,524,0001,290
Securities gains (losses)$04,148
Applicable income taxes$1,678,0001,443
Income before extraordinary items$3,846,0001,294
Extraordinary gains, net$053
Net income$3,846,0001,295
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$407,0001,664
Cash dividends$1,383,0001,687
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,846,0001,264
1995-12-31 (YTD Data)Rank
Total interest income$20,606,0001,643
Total interest expense$9,002,0001,759
Net interest income$11,604,0001,549
Provision for loan and lease losses$515,0001,531
Total noninterest income$2,241,0001,675
Gross Fiduciary activities income$70,0001,232
Service charges on deposit accounts$1,356,000985
Trading account gains and fees$0522
Additional Noninterest Income$815,0002,076
Total noninterest expense$8,911,0001,595
Salaries and employee benefits$4,856,0001,368
Premises and equipment expense$914,0002,193
Additional noninterest expense$3,141,0001,637
Pre-tax net operating income$4,419,0001,662
Securities gains (losses)$-415,00011,791
Applicable income taxes$1,170,0002,072
Income before extraordinary items$2,834,0001,784
Extraordinary gains, net$065
Net income$2,834,0001,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$332,0001,818
Cash dividends$936,0002,171
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,128,6501,601
1994-12-31 (YTD Data)Rank
Total interest income$17,687,0001,736
Total interest expense$6,979,0001,809
Net interest income$10,708,0001,690
Provision for loan and lease losses$220,0002,852
Total noninterest income$2,073,0001,801
Gross Fiduciary activities income$81,0001,220
Service charges on deposit accounts$1,218,0001,091
Trading account gains and fees$0475
Additional Noninterest Income$774,0002,179
Total noninterest expense$8,557,0001,708
Salaries and employee benefits$4,902,0001,381
Premises and equipment expense$951,0002,128
Additional noninterest expense$2,704,0002,003
Pre-tax net operating income$4,004,0001,777
Securities gains (losses)$2,0003,070
Applicable income taxes$1,166,0001,936
Income before extraordinary items$2,840,0001,733
Extraordinary gains, net$0249
Net income$2,840,0001,732
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$245,0002,183
Cash dividends$1,146,0001,707
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,838,5801,729
1993-12-31 (YTD Data)Rank
Total interest income$17,506,0001,790
Total interest expense$6,945,0001,868
Net interest income$10,561,0001,719
Provision for loan and lease losses$370,0002,586
Total noninterest income$1,809,0002,099
Gross Fiduciary activities income$63,0001,295
Service charges on deposit accounts$1,153,0001,161
Trading account gains and fees$0532
Additional Noninterest Income$593,0002,918
Total noninterest expense$8,310,0001,804
Salaries and employee benefits$4,807,0001,401
Premises and equipment expense$985,0002,084
Additional noninterest expense$2,518,0002,214
Pre-tax net operating income$3,690,0001,851
Securities gains (losses)$12,0005,266
Applicable income taxes$999,0002,262
Income before extraordinary items$2,703,0001,842
Extraordinary gains, net$-9,00012,296
Net income$2,694,0001,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$392,0002,077
Cash dividends$816,0002,108
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,694,2401,748
1992-12-31 (YTD Data)Rank
Total interest income$18,594,0001,908
Total interest expense$8,083,0002,105
Net interest income$10,511,0001,750
Provision for loan and lease losses$575,0002,705
Total noninterest income$1,588,0002,293
Gross Fiduciary activities income$77,0001,300
Service charges on deposit accounts$1,093,0001,218
Trading account gains and fees$0504
Additional Noninterest Income$418,0003,598
Total noninterest expense$7,496,0001,971
Salaries and employee benefits$4,295,0001,550
Premises and equipment expense$881,0002,348
Additional noninterest expense$2,320,0002,470
Pre-tax net operating income$4,028,0001,556
Securities gains (losses)$16,0005,884
Applicable income taxes$1,112,0001,909
Income before extraordinary items$2,932,0001,578
Extraordinary gains, net$01,422
Net income$2,932,0001,593
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$293,0003,381
Cash dividends$792,0001,941
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,920,3201,473

* 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.