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Connecticut River Bank, Income and Expense

2014-06-30 (YTD Data)Rank
Total interest income$4,431,0002,691
Total interest expense$532,0002,534
Net interest income$3,899,0002,680
Provision for loan and lease losses$300,0001,222
Total noninterest income$1,239,0001,793
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$426,0001,482
Trading account gains and fees$0172
Additional Noninterest Income$813,0001,679
Total noninterest expense$4,494,0002,104
Salaries and employee benefits$2,595,0001,986
Premises and equipment expense$754,0001,573
Additional noninterest expense$1,145,0002,590
Pre-tax net operating income$344,0004,719
Securities gains (losses)$02,580
Applicable income taxes$78,0003,192
Income before extraordinary items$266,0004,905
Extraordinary gains, net$020
Net income$266,0004,906
Minority interest net income$080
Net income of bank and minority interests.$266,0004,907
Net charge-offs$284,0001,297
Cash dividends$206,0002,677
Sale, conversion, retirement of capital stock, net$0794
Net operating income$266,0004,848
2014-03-31 (YTD Data)Rank
Total interest income$2,221,0002,686
Total interest expense$271,0002,528
Net interest income$1,950,0002,690
Provision for loan and lease losses$150,0001,189
Total noninterest income$596,0001,807
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$203,0001,529
Trading account gains and fees$0147
Additional Noninterest Income$393,0001,676
Total noninterest expense$2,290,0002,075
Salaries and employee benefits$1,330,0001,950
Premises and equipment expense$405,0001,500
Additional noninterest expense$555,0002,662
Pre-tax net operating income$106,0005,216
Securities gains (losses)$01,715
Applicable income taxes$-13,0006,473
Income before extraordinary items$119,0004,959
Extraordinary gains, net$016
Net income$119,0004,962
Minority interest net income$066
Net income of bank and minority interests.$119,0004,961
Net charge-offs$95,0001,407
Cash dividends$103,0002,206
Sale, conversion, retirement of capital stock, net$0747
Net operating income$119,0004,916
2013-12-31 (YTD Data)Rank
Total interest income$9,285,0002,605
Total interest expense$1,217,0002,533
Net interest income$8,068,0002,584
Provision for loan and lease losses$774,0001,374
Total noninterest income$2,635,0001,789
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$898,0001,494
Trading account gains and fees$0184
Additional Noninterest Income$1,737,0001,682
Total noninterest expense$9,504,0001,989
Salaries and employee benefits$5,323,0001,914
Premises and equipment expense$1,366,0001,715
Additional noninterest expense$2,815,0002,217
Pre-tax net operating income$425,0005,162
Securities gains (losses)$03,182
Applicable income taxes$158,0003,119
Income before extraordinary items$267,0005,508
Extraordinary gains, net$029
Net income$267,0005,513
Minority interest net income$090
Net income of bank and minority interests.$267,0005,513
Net charge-offs$1,499,000937
Cash dividends$510,0002,723
Sale, conversion, retirement of capital stock, net$0924
Net operating income$267,0005,456
2013-09-30 (YTD Data)Rank
Total interest income$7,016,0002,600
Total interest expense$934,0002,569
Net interest income$6,082,0002,582
Provision for loan and lease losses$476,0001,568
Total noninterest income$1,950,0001,821
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$675,0001,504
Trading account gains and fees$0180
Additional Noninterest Income$1,275,0001,747
Total noninterest expense$6,822,0002,075
Salaries and employee benefits$4,105,0001,871
Premises and equipment expense$1,045,0001,693
Additional noninterest expense$1,672,0002,734
Pre-tax net operating income$734,0004,191
Securities gains (losses)$03,040
Applicable income taxes$158,0002,981
Income before extraordinary items$576,0004,370
Extraordinary gains, net$025
Net income$576,0004,373
Minority interest net income$084
Net income of bank and minority interests.$576,0004,374
Net charge-offs$1,196,000887
Cash dividends$408,0002,300
Sale, conversion, retirement of capital stock, net$0868
Net operating income$576,0004,291
2013-06-30 (YTD Data)Rank
Total interest income$4,664,0002,611
Total interest expense$636,0002,587
Net interest income$4,028,0002,591
Provision for loan and lease losses$322,0001,578
Total noninterest income$1,371,0001,767
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$458,0001,457
Trading account gains and fees$0157
Additional Noninterest Income$913,0001,692
Total noninterest expense$4,584,0002,067
Salaries and employee benefits$2,739,0001,881
Premises and equipment expense$733,0001,621
Additional noninterest expense$1,112,0002,717
Pre-tax net operating income$493,0004,158
Securities gains (losses)$02,791
Applicable income taxes$112,0002,933
Income before extraordinary items$381,0004,403
Extraordinary gains, net$022
Net income$381,0004,405
Minority interest net income$082
Net income of bank and minority interests.$381,0004,406
Net charge-offs$585,0001,125
Cash dividends$305,0002,161
Sale, conversion, retirement of capital stock, net$0838
Net operating income$381,0004,285
2013-03-31 (YTD Data)Rank
Total interest income$2,306,0002,644
Total interest expense$331,0002,567
Net interest income$1,975,0002,645
Provision for loan and lease losses$160,0001,554
Total noninterest income$670,0001,794
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$210,0001,558
Trading account gains and fees$0148
Additional Noninterest Income$460,0001,664
Total noninterest expense$2,300,0002,084
Salaries and employee benefits$1,377,0001,882
Premises and equipment expense$386,0001,571
Additional noninterest expense$537,0002,811
Pre-tax net operating income$185,0004,580
Securities gains (losses)$01,966
Applicable income taxes$36,0003,230
Income before extraordinary items$149,0004,735
Extraordinary gains, net$010
Net income$149,0004,736
Minority interest net income$076
Net income of bank and minority interests.$149,0004,737
Net charge-offs$1,0004,010
Cash dividends$172,0001,723
Sale, conversion, retirement of capital stock, net$0789
Net operating income$149,0004,636
2012-12-31 (YTD Data)Rank
Total interest income$9,778,0002,620
Total interest expense$1,523,0002,680
Net interest income$8,255,0002,604
Provision for loan and lease losses$749,0002,180
Total noninterest income$2,974,0001,645
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$913,0001,526
Trading account gains and fees$0166
Additional Noninterest Income$2,061,0001,499
Total noninterest expense$9,040,0002,117
Salaries and employee benefits$5,479,0001,843
Premises and equipment expense$1,371,0001,718
Additional noninterest expense$2,190,0002,876
Pre-tax net operating income$1,440,0003,393
Securities gains (losses)$03,810
Applicable income taxes$417,0002,355
Income before extraordinary items$1,023,0003,863
Extraordinary gains, net$029
Net income$1,023,0003,863
Minority interest net income$093
Net income of bank and minority interests.$1,023,0003,865
Net charge-offs$805,0002,050
Cash dividends$569,0002,633
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$1,023,0003,710
2012-09-30 (YTD Data)Rank
Total interest income$7,426,0002,645
Total interest expense$1,163,0002,747
Net interest income$6,263,0002,614
Provision for loan and lease losses$494,0002,299
Total noninterest income$2,134,0001,706
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$696,0001,516
Trading account gains and fees$0157
Additional Noninterest Income$1,438,0001,563
Total noninterest expense$6,812,0002,113
Salaries and employee benefits$4,122,0001,832
Premises and equipment expense$1,046,0001,699
Additional noninterest expense$1,644,0002,882
Pre-tax net operating income$1,091,0003,476
Securities gains (losses)$03,575
Applicable income taxes$317,0002,408
Income before extraordinary items$774,0003,913
Extraordinary gains, net$020
Net income$774,0003,913
Minority interest net income$086
Net income of bank and minority interests.$774,0003,915
Net charge-offs$464,0002,288
Cash dividends$437,0002,180
Sale, conversion, retirement of capital stock, net$0952
Net operating income$774,0003,744
2012-06-30 (YTD Data)Rank
Total interest income$4,977,0002,641
Total interest expense$793,0002,801
Net interest income$4,184,0002,606
Provision for loan and lease losses$331,0002,286
Total noninterest income$1,384,0001,723
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$459,0001,524
Trading account gains and fees$0153
Additional Noninterest Income$925,0001,592
Total noninterest expense$4,610,0002,077
Salaries and employee benefits$2,766,0001,809
Premises and equipment expense$736,0001,623
Additional noninterest expense$1,108,0002,869
Pre-tax net operating income$627,0003,728
Securities gains (losses)$03,178
Applicable income taxes$172,0002,589
Income before extraordinary items$455,0004,143
Extraordinary gains, net$019
Net income$455,0004,147
Minority interest net income$084
Net income of bank and minority interests.$455,0004,147
Net charge-offs$148,0003,044
Cash dividends$305,0002,120
Sale, conversion, retirement of capital stock, net$0928
Net operating income$455,0003,949
2012-03-31 (YTD Data)Rank
Total interest income$2,483,0002,676
Total interest expense$414,0002,800
Net interest income$2,069,0002,641
Provision for loan and lease losses$164,0002,222
Total noninterest income$668,0001,771
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$207,0001,634
Trading account gains and fees$0148
Additional Noninterest Income$461,0001,597
Total noninterest expense$2,338,0002,051
Salaries and employee benefits$1,401,0001,792
Premises and equipment expense$410,0001,453
Additional noninterest expense$527,0002,967
Pre-tax net operating income$235,0004,269
Securities gains (losses)$02,210
Applicable income taxes$57,0002,946
Income before extraordinary items$178,0004,567
Extraordinary gains, net$019
Net income$178,0004,570
Minority interest net income$078
Net income of bank and minority interests.$178,0004,570
Net charge-offs$28,0003,468
Cash dividends$172,0001,717
Sale, conversion, retirement of capital stock, net$0861
Net operating income$178,0004,431
2011-12-31 (YTD Data)Rank
Total interest income$10,643,0002,619
Total interest expense$1,818,0002,970
Net interest income$8,825,0002,490
Provision for loan and lease losses$604,0003,151
Total noninterest income$2,435,0001,747
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$915,0001,593
Trading account gains and fees$0146
Additional Noninterest Income$1,520,0001,633
Total noninterest expense$9,334,0002,046
Salaries and employee benefits$5,368,0001,816
Premises and equipment expense$1,471,0001,683
Additional noninterest expense$2,495,0002,593
Pre-tax net operating income$1,322,0003,241
Securities gains (losses)$03,838
Applicable income taxes$373,0002,315
Income before extraordinary items$949,0003,647
Extraordinary gains, net$029
Net income$949,0003,650
Minority interest net income$096
Net income of bank and minority interests.$949,0003,650
Net charge-offs$329,0003,697
Cash dividends$569,0002,274
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$949,0003,526
2011-09-30 (YTD Data)Rank
Total interest income$8,049,0002,622
Total interest expense$1,390,0003,045
Net interest income$6,659,0002,484
Provision for loan and lease losses$450,0003,020
Total noninterest income$1,774,0001,766
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$692,0001,582
Trading account gains and fees$0145
Additional Noninterest Income$1,082,0001,673
Total noninterest expense$7,090,0002,036
Salaries and employee benefits$4,107,0001,775
Premises and equipment expense$1,090,0001,735
Additional noninterest expense$1,893,0002,582
Pre-tax net operating income$893,0003,517
Securities gains (losses)$03,555
Applicable income taxes$244,0002,474
Income before extraordinary items$649,0003,889
Extraordinary gains, net$021
Net income$649,0003,891
Minority interest net income$087
Net income of bank and minority interests.$649,0003,891
Net charge-offs$246,0003,470
Cash dividends$437,0001,946
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$649,0003,777
2011-06-30 (YTD Data)Rank
Total interest income$5,353,0002,647
Total interest expense$935,0003,123
Net interest income$4,418,0002,499
Provision for loan and lease losses$300,0002,953
Total noninterest income$1,259,0001,668
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$465,0001,552
Trading account gains and fees$0153
Additional Noninterest Income$794,0001,573
Total noninterest expense$4,676,0002,068
Salaries and employee benefits$2,653,0001,854
Premises and equipment expense$766,0001,657
Additional noninterest expense$1,257,0002,634
Pre-tax net operating income$701,0003,181
Securities gains (losses)$02,914
Applicable income taxes$205,0002,208
Income before extraordinary items$496,0003,601
Extraordinary gains, net$015
Net income$496,0003,603
Minority interest net income$089
Net income of bank and minority interests.$496,0003,602
Net charge-offs$74,0004,133
Cash dividends$305,0001,904
Sale, conversion, retirement of capital stock, net$0986
Net operating income$496,0003,503
2011-03-31 (YTD Data)Rank
Total interest income$2,665,0002,677
Total interest expense$476,0003,170
Net interest income$2,189,0002,517
Provision for loan and lease losses$150,0002,750
Total noninterest income$625,0001,696
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$218,0001,621
Trading account gains and fees$0158
Additional Noninterest Income$407,0001,545
Total noninterest expense$2,358,0002,062
Salaries and employee benefits$1,275,0001,929
Premises and equipment expense$425,0001,516
Additional noninterest expense$658,0002,517
Pre-tax net operating income$306,0003,489
Securities gains (losses)$01,772
Applicable income taxes$86,0002,347
Income before extraordinary items$220,0003,815
Extraordinary gains, net$09
Net income$220,0003,814
Minority interest net income$086
Net income of bank and minority interests.$220,0003,815
Net charge-offs$4,0004,727
Cash dividends$172,0001,528
Sale, conversion, retirement of capital stock, net$0925
Net operating income$220,0003,765
2010-12-31 (YTD Data)Rank
Total interest income$11,160,0002,686
Total interest expense$2,131,0003,404
Net interest income$9,029,0002,421
Provision for loan and lease losses$706,0003,583
Total noninterest income$2,694,0001,676
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,029,0001,475
Trading account gains and fees$0175
Additional Noninterest Income$1,665,0001,589
Total noninterest expense$9,524,0002,038
Salaries and employee benefits$5,397,0001,790
Premises and equipment expense$1,424,0001,801
Additional noninterest expense$2,703,0002,499
Pre-tax net operating income$1,493,0002,730
Securities gains (losses)$03,793
Applicable income taxes$472,0001,940
Income before extraordinary items$1,021,0003,185
Extraordinary gains, net$029
Net income$1,021,0003,182
Minority interest net income$0111
Net income of bank and minority interests.$1,021,0003,185
Net charge-offs$854,0002,896
Cash dividends$609,0002,103
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$1,021,0003,058
2010-09-30 (YTD Data)Rank
Total interest income$8,339,0002,758
Total interest expense$1,630,0003,483
Net interest income$6,709,0002,473
Provision for loan and lease losses$436,0003,781
Total noninterest income$1,807,0001,830
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$776,0001,519
Trading account gains and fees$0165
Additional Noninterest Income$1,031,0001,766
Total noninterest expense$7,035,0002,056
Salaries and employee benefits$4,075,0001,804
Premises and equipment expense$1,066,0001,820
Additional noninterest expense$1,894,0002,612
Pre-tax net operating income$1,045,0003,004
Securities gains (losses)$03,651
Applicable income taxes$292,0002,177
Income before extraordinary items$753,0003,385
Extraordinary gains, net$023
Net income$753,0003,384
Minority interest net income$0110
Net income of bank and minority interests.$753,0003,385
Net charge-offs$457,0003,199
Cash dividends$476,0001,831
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$753,0003,246
2010-06-30 (YTD Data)Rank
Total interest income$5,485,0002,810
Total interest expense$1,102,0003,541
Net interest income$4,383,0002,526
Provision for loan and lease losses$316,0003,523
Total noninterest income$1,218,0001,752
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$536,0001,461
Trading account gains and fees$0152
Additional Noninterest Income$682,0001,714
Total noninterest expense$4,708,0002,062
Salaries and employee benefits$2,716,0001,819
Premises and equipment expense$719,0001,819
Additional noninterest expense$1,273,0002,587
Pre-tax net operating income$577,0003,372
Securities gains (losses)$03,184
Applicable income taxes$152,0002,397
Income before extraordinary items$425,0003,680
Extraordinary gains, net$019
Net income$425,0003,678
Minority interest net income$0105
Net income of bank and minority interests.$425,0003,679
Net charge-offs$7,0005,969
Cash dividends$334,0001,784
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$425,0003,577
2010-03-31 (YTD Data)Rank
Total interest income$2,720,0002,884
Total interest expense$562,0003,611
Net interest income$2,158,0002,602
Provision for loan and lease losses$196,0003,033
Total noninterest income$613,0001,756
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$248,0001,576
Trading account gains and fees$0175
Additional Noninterest Income$365,0001,600
Total noninterest expense$2,349,0002,081
Salaries and employee benefits$1,351,0001,855
Premises and equipment expense$380,0001,784
Additional noninterest expense$618,0002,636
Pre-tax net operating income$226,0003,859
Securities gains (losses)$02,284
Applicable income taxes$52,0002,757
Income before extraordinary items$174,0004,128
Extraordinary gains, net$016
Net income$174,0004,127
Minority interest net income$091
Net income of bank and minority interests.$174,0004,127
Net charge-offs$6,0005,069
Cash dividends$202,0001,363
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$174,0004,029
2009-12-31 (YTD Data)Rank
Total interest income$11,253,0002,911
Total interest expense$2,757,0003,649
Net interest income$8,496,0002,557
Provision for loan and lease losses$549,0004,404
Total noninterest income$2,924,0001,644
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$1,044,0001,616
Trading account gains and fees$0211
Additional Noninterest Income$1,880,0001,435
Total noninterest expense$9,351,0002,136
Salaries and employee benefits$5,301,0001,865
Premises and equipment expense$1,430,0001,880
Additional noninterest expense$2,620,0002,633
Pre-tax net operating income$1,520,0002,330
Securities gains (losses)$03,754
Applicable income taxes$411,0001,735
Income before extraordinary items$1,109,0002,599
Extraordinary gains, net$034
Net income$1,109,0002,597
Minority interest net income$0115
Net income of bank and minority interests.$1,109,0002,598
Net charge-offs$382,0004,164
Cash dividends$691,0002,147
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$1,109,0002,554
2009-09-30 (YTD Data)Rank
Total interest income$8,476,0002,949
Total interest expense$2,150,0003,672
Net interest income$6,326,0002,588
Provision for loan and lease losses$401,0004,175
Total noninterest income$2,328,0001,590
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$771,0001,647
Trading account gains and fees$0212
Additional Noninterest Income$1,557,0001,355
Total noninterest expense$7,046,0002,123
Salaries and employee benefits$3,993,0001,879
Premises and equipment expense$1,079,0001,882
Additional noninterest expense$1,974,0002,600
Pre-tax net operating income$1,207,0002,426
Securities gains (losses)$03,497
Applicable income taxes$337,0001,808
Income before extraordinary items$870,0002,717
Extraordinary gains, net$027
Net income$870,0002,714
Minority interest net income$0118
Net income of bank and minority interests.$870,0002,717
Net charge-offs$44,0005,771
Cash dividends$485,0002,053
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$870,0002,667
2009-06-30 (YTD Data)Rank
Total interest income$5,702,0002,954
Total interest expense$1,487,0003,692
Net interest income$4,215,0002,569
Provision for loan and lease losses$241,0004,063
Total noninterest income$1,679,0001,526
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$507,0001,638
Trading account gains and fees$0193
Additional Noninterest Income$1,172,0001,287
Total noninterest expense$4,767,0002,118
Salaries and employee benefits$2,665,0001,897
Premises and equipment expense$768,0001,805
Additional noninterest expense$1,334,0002,580
Pre-tax net operating income$886,0002,325
Securities gains (losses)$03,136
Applicable income taxes$261,0001,685
Income before extraordinary items$625,0002,698
Extraordinary gains, net$021
Net income$625,0002,695
Minority interest net income$0112
Net income of bank and minority interests.$625,0002,697
Net charge-offs$41,0005,092
Cash dividends$323,0002,122
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$625,0002,610
2009-03-31 (YTD Data)Rank
Total interest income$2,921,0002,927
Total interest expense$775,0003,694
Net interest income$2,146,0002,523
Provision for loan and lease losses$166,0003,092
Total noninterest income$767,0001,596
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$239,0001,692
Trading account gains and fees$0171
Additional Noninterest Income$528,0001,342
Total noninterest expense$2,304,0002,146
Salaries and employee benefits$1,334,0001,927
Premises and equipment expense$406,0001,738
Additional noninterest expense$564,0002,703
Pre-tax net operating income$443,0002,600
Securities gains (losses)$02,434
Applicable income taxes$134,0001,886
Income before extraordinary items$309,0003,081
Extraordinary gains, net$015
Net income$309,0003,082
Minority interest net income$0102
Net income of bank and minority interests.$309,0003,082
Net charge-offs$22,0004,250
Cash dividends$162,0001,868
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$309,0002,928
2008-12-31 (YTD Data)Rank
Total interest income$12,882,0002,850
Total interest expense$3,956,0003,534
Net interest income$8,926,0002,440
Provision for loan and lease losses$221,0005,091
Total noninterest income$2,211,0001,985
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,081,0001,643
Trading account gains and fees$0154
Additional Noninterest Income$1,130,0001,967
Total noninterest expense$9,102,0002,114
Salaries and employee benefits$5,255,0001,923
Premises and equipment expense$1,377,0001,978
Additional noninterest expense$2,470,0002,370
Pre-tax net operating income$1,814,0002,657
Securities gains (losses)$03,220
Applicable income taxes$538,0001,775
Income before extraordinary items$1,276,0002,798
Extraordinary gains, net$039
Net income$1,276,0002,798
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$295,0003,550
Cash dividends$2,063,0001,302
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$1,276,0002,940
2008-09-30 (YTD Data)Rank
Total interest income$9,800,0002,865
Total interest expense$3,133,0003,519
Net interest income$6,667,0002,475
Provision for loan and lease losses$135,0004,747
Total noninterest income$1,876,0001,861
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$815,0001,645
Trading account gains and fees$0148
Additional Noninterest Income$1,061,0001,729
Total noninterest expense$6,878,0002,086
Salaries and employee benefits$3,979,0001,944
Premises and equipment expense$1,070,0001,908
Additional noninterest expense$1,829,0002,334
Pre-tax net operating income$1,530,0002,801
Securities gains (losses)$03,106
Applicable income taxes$472,0001,972
Income before extraordinary items$1,058,0002,989
Extraordinary gains, net$031
Net income$1,058,0002,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0004,479
Cash dividends$1,713,0001,179
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,058,0003,140
2008-06-30 (YTD Data)Rank
Total interest income$6,605,0002,883
Total interest expense$2,158,0003,554
Net interest income$4,447,0002,460
Provision for loan and lease losses$90,0004,395
Total noninterest income$1,278,0001,843
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$551,0001,605
Trading account gains and fees$0149
Additional Noninterest Income$727,0001,738
Total noninterest expense$4,587,0002,102
Salaries and employee benefits$2,648,0001,968
Premises and equipment expense$749,0001,829
Additional noninterest expense$1,190,0002,366
Pre-tax net operating income$1,048,0002,854
Securities gains (losses)$03,233
Applicable income taxes$324,0002,125
Income before extraordinary items$724,0003,258
Extraordinary gains, net$021
Net income$724,0003,258
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0003,708
Cash dividends$1,481,0001,018
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$724,0003,200
2008-03-31 (YTD Data)Rank
Total interest income$3,372,0002,895
Total interest expense$1,091,0003,686
Net interest income$2,281,0002,400
Provision for loan and lease losses$45,0003,899
Total noninterest income$611,0001,927
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$268,0001,619
Trading account gains and fees$0158
Additional Noninterest Income$343,0001,812
Total noninterest expense$2,326,0002,061
Salaries and employee benefits$1,350,0001,947
Premises and equipment expense$353,0001,933
Additional noninterest expense$623,0002,248
Pre-tax net operating income$521,0002,992
Securities gains (losses)$02,688
Applicable income taxes$168,0002,184
Income before extraordinary items$353,0003,470
Extraordinary gains, net$015
Net income$353,0003,473
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0003,496
Cash dividends$201,0002,297
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$353,0003,371
2007-12-31 (YTD Data)Rank
Total interest income$13,823,0002,892
Total interest expense$4,412,0003,765
Net interest income$9,411,0002,365
Provision for loan and lease losses$180,0004,023
Total noninterest income$2,245,0002,047
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,085,0001,648
Trading account gains and fees$0178
Additional Noninterest Income$1,160,0002,011
Total noninterest expense$8,650,0002,130
Salaries and employee benefits$5,086,0001,980
Premises and equipment expense$1,189,0002,183
Additional noninterest expense$2,375,0002,276
Pre-tax net operating income$2,826,0002,576
Securities gains (losses)$02,146
Applicable income taxes$961,0001,912
Income before extraordinary items$1,865,0002,977
Extraordinary gains, net$039
Net income$1,865,0002,976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0004,564
Cash dividends$779,0003,019
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$1,865,0002,972
2007-09-30 (YTD Data)Rank
Total interest income$10,352,0002,899
Total interest expense$3,311,0003,771
Net interest income$7,041,0002,385
Provision for loan and lease losses$135,0003,624
Total noninterest income$1,589,0002,129
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$800,0001,652
Trading account gains and fees$0184
Additional Noninterest Income$789,0002,142
Total noninterest expense$6,483,0002,103
Salaries and employee benefits$3,805,0001,981
Premises and equipment expense$884,0002,181
Additional noninterest expense$1,794,0002,218
Pre-tax net operating income$2,012,0002,815
Securities gains (losses)$01,655
Applicable income taxes$681,0002,120
Income before extraordinary items$1,331,0003,229
Extraordinary gains, net$033
Net income$1,331,0003,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0004,499
Cash dividends$514,0002,885
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$1,331,0003,218
2007-06-30 (YTD Data)Rank
Total interest income$6,858,0002,940
Total interest expense$2,203,0003,764
Net interest income$4,655,0002,427
Provision for loan and lease losses$90,0003,429
Total noninterest income$1,030,0002,201
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$521,0001,692
Trading account gains and fees$0168
Additional Noninterest Income$509,0002,216
Total noninterest expense$4,362,0002,112
Salaries and employee benefits$2,532,0002,011
Premises and equipment expense$614,0002,109
Additional noninterest expense$1,216,0002,188
Pre-tax net operating income$1,233,0003,060
Securities gains (losses)$01,444
Applicable income taxes$414,0002,332
Income before extraordinary items$819,0003,469
Extraordinary gains, net$029
Net income$819,0003,469
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0007,767
Cash dividends$342,0002,976
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$819,0003,446
2007-03-31 (YTD Data)Rank
Total interest income$3,427,0002,917
Total interest expense$1,101,0003,762
Net interest income$2,326,0002,435
Provision for loan and lease losses$45,0003,197
Total noninterest income$437,0002,411
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$251,0001,710
Trading account gains and fees$0195
Additional Noninterest Income$186,0002,657
Total noninterest expense$2,166,0002,134
Salaries and employee benefits$1,287,0001,997
Premises and equipment expense$310,0002,104
Additional noninterest expense$569,0002,299
Pre-tax net operating income$552,0003,299
Securities gains (losses)$01,187
Applicable income taxes$182,0002,528
Income before extraordinary items$370,0003,677
Extraordinary gains, net$022
Net income$370,0003,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,238
Cash dividends$171,0002,610
Sale, conversion, retirement of capital stock, net$0885
Net operating income$370,0003,656
2006-12-31 (YTD Data)Rank
Total interest income$13,844,0002,722
Total interest expense$4,093,0003,538
Net interest income$9,751,0002,337
Provision for loan and lease losses$180,0003,697
Total noninterest income$2,037,0002,193
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$1,040,0001,698
Trading account gains and fees$0130
Additional Noninterest Income$997,0002,231
Total noninterest expense$8,426,0002,093
Salaries and employee benefits$4,869,0002,003
Premises and equipment expense$1,267,0001,983
Additional noninterest expense$2,290,0002,272
Pre-tax net operating income$3,182,0002,675
Securities gains (losses)$01,687
Applicable income taxes$1,076,0002,093
Income before extraordinary items$2,106,0002,987
Extraordinary gains, net$051
Net income$2,106,0002,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0003,780
Cash dividends$778,0003,028
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$2,106,0002,983
2006-09-30 (YTD Data)Rank
Total interest income$10,312,0002,719
Total interest expense$3,042,0003,474
Net interest income$7,270,0002,379
Provision for loan and lease losses$160,0003,290
Total noninterest income$1,530,0002,199
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$780,0001,696
Trading account gains and fees$0126
Additional Noninterest Income$750,0002,230
Total noninterest expense$6,293,0002,101
Salaries and employee benefits$3,595,0002,032
Premises and equipment expense$966,0001,965
Additional noninterest expense$1,732,0002,244
Pre-tax net operating income$2,347,0002,797
Securities gains (losses)$01,388
Applicable income taxes$844,0002,125
Income before extraordinary items$1,503,0003,201
Extraordinary gains, net$045
Net income$1,503,0003,202
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0003,183
Cash dividends$514,0002,880
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,503,0003,197
2006-06-30 (YTD Data)Rank
Total interest income$6,814,0002,708
Total interest expense$1,989,0003,395
Net interest income$4,825,0002,398
Provision for loan and lease losses$120,0002,983
Total noninterest income$1,056,0002,139
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$503,0001,734
Trading account gains and fees$0126
Additional Noninterest Income$553,0002,077
Total noninterest expense$4,197,0002,099
Salaries and employee benefits$2,367,0002,065
Premises and equipment expense$667,0001,886
Additional noninterest expense$1,163,0002,237
Pre-tax net operating income$1,564,0002,801
Securities gains (losses)$01,185
Applicable income taxes$568,0002,129
Income before extraordinary items$996,0003,219
Extraordinary gains, net$039
Net income$996,0003,221
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0002,578
Cash dividends$342,0002,928
Sale, conversion, retirement of capital stock, net$0887
Net operating income$996,0003,214
2006-03-31 (YTD Data)Rank
Total interest income$3,316,0002,726
Total interest expense$917,0003,487
Net interest income$2,399,0002,404
Provision for loan and lease losses$60,0002,788
Total noninterest income$476,0002,260
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$244,0001,727
Trading account gains and fees$0115
Additional Noninterest Income$232,0002,285
Total noninterest expense$2,063,0002,146
Salaries and employee benefits$1,163,0002,120
Premises and equipment expense$345,0001,831
Additional noninterest expense$555,0002,309
Pre-tax net operating income$752,0002,824
Securities gains (losses)$0955
Applicable income taxes$271,0002,144
Income before extraordinary items$481,0003,268
Extraordinary gains, net$021
Net income$481,0003,267
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0003,205
Cash dividends$171,0002,592
Sale, conversion, retirement of capital stock, net$0648
Net operating income$481,0003,244
2005-12-31 (YTD Data)Rank
Total interest income$12,352,0002,648
Total interest expense$2,939,0003,390
Net interest income$9,413,0002,346
Provision for loan and lease losses$240,0003,239
Total noninterest income$2,045,0002,172
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$1,000,0001,733
Trading account gains and fees$0138
Additional Noninterest Income$1,045,0002,149
Total noninterest expense$7,997,0002,085
Salaries and employee benefits$4,530,0002,029
Premises and equipment expense$1,287,0001,880
Additional noninterest expense$2,180,0002,298
Pre-tax net operating income$3,221,0002,611
Securities gains (losses)$02,296
Applicable income taxes$1,184,0002,027
Income before extraordinary items$2,037,0003,058
Extraordinary gains, net$046
Net income$2,037,0003,060
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$169,0002,539
Cash dividends$746,0002,975
Sale, conversion, retirement of capital stock, net$0934
Net operating income$2,037,0003,019
2005-09-30 (YTD Data)Rank
Total interest income$9,111,0002,626
Total interest expense$2,124,0003,336
Net interest income$6,987,0002,347
Provision for loan and lease losses$180,0003,127
Total noninterest income$1,527,0002,175
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$742,0001,738
Trading account gains and fees$0126
Additional Noninterest Income$785,0002,155
Total noninterest expense$5,957,0002,080
Salaries and employee benefits$3,349,0002,038
Premises and equipment expense$981,0001,836
Additional noninterest expense$1,627,0002,267
Pre-tax net operating income$2,377,0002,674
Securities gains (losses)$02,317
Applicable income taxes$874,0002,074
Income before extraordinary items$1,503,0003,126
Extraordinary gains, net$035
Net income$1,503,0003,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0004,476
Cash dividends$514,0002,747
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,503,0003,085
2005-06-30 (YTD Data)Rank
Total interest income$5,938,0002,624
Total interest expense$1,376,0003,271
Net interest income$4,562,0002,376
Provision for loan and lease losses$120,0003,004
Total noninterest income$975,0002,217
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$484,0001,733
Trading account gains and fees$0116
Additional Noninterest Income$491,0002,213
Total noninterest expense$3,953,0002,074
Salaries and employee benefits$2,233,0002,027
Premises and equipment expense$673,0001,777
Additional noninterest expense$1,047,0002,329
Pre-tax net operating income$1,464,0002,816
Securities gains (losses)$02,146
Applicable income taxes$530,0002,182
Income before extraordinary items$934,0003,253
Extraordinary gains, net$030
Net income$934,0003,254
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0003,677
Cash dividends$342,0002,749
Sale, conversion, retirement of capital stock, net$0643
Net operating income$934,0003,209
2005-03-31 (YTD Data)Rank
Total interest income$2,881,0002,668
Total interest expense$637,0003,349
Net interest income$2,244,0002,391
Provision for loan and lease losses$60,0002,830
Total noninterest income$450,0002,312
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$221,0001,838
Trading account gains and fees$0115
Additional Noninterest Income$229,0002,276
Total noninterest expense$1,925,0002,149
Salaries and employee benefits$1,118,0002,045
Premises and equipment expense$324,0001,852
Additional noninterest expense$483,0002,525
Pre-tax net operating income$709,0002,827
Securities gains (losses)$01,685
Applicable income taxes$269,0002,147
Income before extraordinary items$440,0003,374
Extraordinary gains, net$024
Net income$440,0003,375
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0003,504
Cash dividends$156,0002,495
Sale, conversion, retirement of capital stock, net$0491
Net operating income$440,0003,339
2004-12-31 (YTD Data)Rank
Total interest income$10,887,0002,613
Total interest expense$2,159,0003,428
Net interest income$8,728,0002,342
Provision for loan and lease losses$205,0003,640
Total noninterest income$1,930,0002,253
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,017,0001,732
Trading account gains and fees$0138
Additional Noninterest Income$913,0002,284
Total noninterest expense$7,882,0002,031
Salaries and employee benefits$4,473,0001,945
Premises and equipment expense$1,234,0001,860
Additional noninterest expense$2,175,0002,238
Pre-tax net operating income$2,571,0002,945
Securities gains (losses)$03,819
Applicable income taxes$972,0002,202
Income before extraordinary items$1,599,0003,471
Extraordinary gains, net$034
Net income$1,599,0003,471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-75,0008,748
Cash dividends$683,0003,014
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,599,0003,406
2004-09-30 (YTD Data)Rank
Total interest income$7,953,0002,651
Total interest expense$1,561,0003,493
Net interest income$6,392,0002,367
Provision for loan and lease losses$130,0003,854
Total noninterest income$1,367,0002,354
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$762,0001,742
Trading account gains and fees$0134
Additional Noninterest Income$605,0002,489
Total noninterest expense$5,841,0002,045
Salaries and employee benefits$3,314,0001,970
Premises and equipment expense$956,0001,813
Additional noninterest expense$1,571,0002,297
Pre-tax net operating income$1,788,0003,168
Securities gains (losses)$03,710
Applicable income taxes$669,0002,394
Income before extraordinary items$1,119,0003,723
Extraordinary gains, net$026
Net income$1,119,0003,723
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-48,0008,650
Cash dividends$467,0002,822
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,119,0003,644
2004-06-30 (YTD Data)Rank
Total interest income$5,167,0002,702
Total interest expense$1,027,0003,530
Net interest income$4,140,0002,413
Provision for loan and lease losses$85,0003,829
Total noninterest income$875,0002,429
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$507,0001,722
Trading account gains and fees$0130
Additional Noninterest Income$368,0002,650
Total noninterest expense$3,908,0002,035
Salaries and employee benefits$2,191,0001,987
Premises and equipment expense$655,0001,759
Additional noninterest expense$1,062,0002,270
Pre-tax net operating income$1,022,0003,480
Securities gains (losses)$03,413
Applicable income taxes$376,0002,670
Income before extraordinary items$646,0004,036
Extraordinary gains, net$021
Net income$646,0004,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-30,0008,574
Cash dividends$311,0002,815
Sale, conversion, retirement of capital stock, net$0638
Net operating income$646,0003,953
2004-03-31 (YTD Data)Rank
Total interest income$2,565,0002,721
Total interest expense$519,0003,519
Net interest income$2,046,0002,438
Provision for loan and lease losses$40,0003,725
Total noninterest income$434,0002,405
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$247,0001,716
Trading account gains and fees$0121
Additional Noninterest Income$187,0002,589
Total noninterest expense$1,951,0002,057
Salaries and employee benefits$1,103,0001,998
Premises and equipment expense$343,0001,701
Additional noninterest expense$505,0002,341
Pre-tax net operating income$489,0003,584
Securities gains (losses)$02,934
Applicable income taxes$171,0002,842
Income before extraordinary items$318,0004,123
Extraordinary gains, net$016
Net income$318,0004,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,804
Cash dividends$155,0002,446
Sale, conversion, retirement of capital stock, net$0464
Net operating income$318,0003,978
2003-12-31 (YTD Data)Rank
Total interest income$10,686,0002,649
Total interest expense$2,452,0003,383
Net interest income$8,234,0002,371
Provision for loan and lease losses$220,0003,843
Total noninterest income$1,940,0002,368
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$888,0001,944
Trading account gains and fees$0160
Additional Noninterest Income$1,052,0002,314
Total noninterest expense$7,626,0002,071
Salaries and employee benefits$4,234,0002,012
Premises and equipment expense$1,279,0001,780
Additional noninterest expense$2,113,0002,290
Pre-tax net operating income$2,328,0003,049
Securities gains (losses)$04,500
Applicable income taxes$857,0002,412
Income before extraordinary items$1,471,0003,607
Extraordinary gains, net$054
Net income$1,471,0003,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$216,0002,762
Cash dividends$673,0003,004
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,471,0003,450
2003-09-30 (YTD Data)Rank
Total interest income$8,017,0002,687
Total interest expense$1,892,0003,426
Net interest income$6,125,0002,396
Provision for loan and lease losses$180,0003,498
Total noninterest income$1,522,0002,336
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$661,0001,959
Trading account gains and fees$0153
Additional Noninterest Income$861,0002,259
Total noninterest expense$5,556,0002,133
Salaries and employee benefits$3,154,0002,033
Premises and equipment expense$937,0001,839
Additional noninterest expense$1,465,0002,444
Pre-tax net operating income$1,911,0002,938
Securities gains (losses)$04,204
Applicable income taxes$692,0002,409
Income before extraordinary items$1,219,0003,460
Extraordinary gains, net$040
Net income$1,219,0003,459
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0003,610
Cash dividends$468,0002,792
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,219,0003,291
2003-06-30 (YTD Data)Rank
Total interest income$5,339,0002,715
Total interest expense$1,313,0003,415
Net interest income$4,026,0002,416
Provision for loan and lease losses$120,0003,448
Total noninterest income$984,0002,382
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$417,0002,016
Trading account gains and fees$0150
Additional Noninterest Income$567,0002,259
Total noninterest expense$3,689,0002,128
Salaries and employee benefits$2,112,0002,015
Premises and equipment expense$633,0001,793
Additional noninterest expense$944,0002,502
Pre-tax net operating income$1,201,0003,080
Securities gains (losses)$03,782
Applicable income taxes$388,0002,749
Income before extraordinary items$813,0003,472
Extraordinary gains, net$030
Net income$813,0003,472
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0008,282
Cash dividends$311,0002,827
Sale, conversion, retirement of capital stock, net$0589
Net operating income$813,0003,281
2003-03-31 (YTD Data)Rank
Total interest income$2,646,0002,757
Total interest expense$679,0003,394
Net interest income$1,967,0002,471
Provision for loan and lease losses$60,0003,248
Total noninterest income$445,0002,496
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$195,0002,065
Trading account gains and fees$0134
Additional Noninterest Income$250,0002,358
Total noninterest expense$1,809,0002,168
Salaries and employee benefits$1,051,0002,015
Premises and equipment expense$325,0001,761
Additional noninterest expense$433,0002,662
Pre-tax net operating income$543,0003,309
Securities gains (losses)$02,891
Applicable income taxes$173,0002,947
Income before extraordinary items$370,0003,668
Extraordinary gains, net$021
Net income$370,0003,666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,0008,659
Cash dividends$157,0002,475
Sale, conversion, retirement of capital stock, net$0419
Net operating income$370,0003,494
2002-12-31 (YTD Data)Rank
Total interest income$11,403,0002,678
Total interest expense$3,445,0003,150
Net interest income$7,958,0002,412
Provision for loan and lease losses$276,0003,633
Total noninterest income$1,614,0002,501
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$801,0001,990
Trading account gains and fees$0153
Additional Noninterest Income$813,0002,476
Total noninterest expense$7,140,0002,102
Salaries and employee benefits$3,961,0002,017
Premises and equipment expense$1,256,0001,758
Additional noninterest expense$1,923,0002,396
Pre-tax net operating income$2,156,0003,260
Securities gains (losses)$34,0002,728
Applicable income taxes$628,0003,043
Income before extraordinary items$1,562,0003,399
Extraordinary gains, net$070
Net income$1,562,0003,398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$106,0004,073
Cash dividends$688,0002,935
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,537,8603,323
2001-12-31 (YTD Data)Rank
Total interest income$13,254,0002,578
Total interest expense$5,159,0003,071
Net interest income$8,095,0002,220
Provision for loan and lease losses$240,0003,705
Total noninterest income$999,0003,340
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$760,0001,992
Trading account gains and fees$0177
Additional Noninterest Income$239,0004,574
Total noninterest expense$6,742,0002,126
Salaries and employee benefits$3,773,0001,992
Premises and equipment expense$1,303,0001,655
Additional noninterest expense$1,666,0002,627
Pre-tax net operating income$2,112,0003,043
Securities gains (losses)$04,612
Applicable income taxes$713,0002,630
Income before extraordinary items$1,399,0003,402
Extraordinary gains, net$0105
Net income$1,399,0003,407
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$255,0002,466
Cash dividends$623,0003,064
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,399,0003,306
2000-12-31 (YTD Data)Rank
Total interest income$11,098,0003,114
Total interest expense$4,219,0003,814
Net interest income$6,879,0002,587
Provision for loan and lease losses$210,0003,626
Total noninterest income$1,020,0003,076
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$646,0002,142
Trading account gains and fees$0180
Additional Noninterest Income$374,0003,500
Total noninterest expense$5,692,0002,402
Salaries and employee benefits$3,083,0002,320
Premises and equipment expense$1,147,0001,828
Additional noninterest expense$1,462,0002,880
Pre-tax net operating income$1,997,0003,328
Securities gains (losses)$01,956
Applicable income taxes$681,0002,848
Income before extraordinary items$1,316,0003,605
Extraordinary gains, net$038
Net income$1,316,0003,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0002,702
Cash dividends$519,0003,480
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,316,0003,590
1999-12-31 (YTD Data)Rank
Total interest income$8,344,0003,761
Total interest expense$3,241,0004,315
Net interest income$5,103,0003,393
Provision for loan and lease losses$133,0004,539
Total noninterest income$934,0003,252
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$482,0002,718
Trading account gains and feesNANA
Additional Noninterest Income$452,0003,155
Total noninterest expense$4,447,0003,016
Salaries and employee benefits$2,355,0002,978
Premises and equipment expense$821,0002,473
Additional noninterest expense$1,271,0003,273
Pre-tax net operating income$1,457,0004,181
Securities gains (losses)$5,0002,145
Applicable income taxes$500,0003,642
Income before extraordinary items$962,0004,540
Extraordinary gains, net$035
Net income$962,0004,541
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,0003,890
Cash dividends$422,0003,817
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$958,7004,510
1998-12-31 (YTD Data)Rank
Total interest income$8,484,0003,716
Total interest expense$3,450,0004,189
Net interest income$5,034,0003,363
Provision for loan and lease losses$502,0001,710
Total noninterest income$770,0003,726
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$444,0002,855
Trading account gains and feesNANA
Additional Noninterest Income$326,0003,841
Total noninterest expense$4,568,0002,835
Salaries and employee benefits$2,126,0003,155
Premises and equipment expense$819,0002,394
Additional noninterest expense$1,623,0002,582
Pre-tax net operating income$734,0006,362
Securities gains (losses)$04,449
Applicable income taxes$256,0005,584
Income before extraordinary items$478,0006,738
Extraordinary gains, net$032
Net income$478,0006,736
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$445,0001,387
Cash dividends$478,0003,645
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$478,0006,632
1997-12-31 (YTD Data)Rank
Total interest income$8,131,0003,915
Total interest expense$3,240,0004,409
Net interest income$4,891,0003,563
Provision for loan and lease losses$76,0005,749
Total noninterest income$958,0003,144
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$486,0002,698
Trading account gains and feesNANA
Additional Noninterest Income$472,0002,945
Total noninterest expense$4,103,0003,104
Salaries and employee benefits$2,079,0003,187
Premises and equipment expense$745,0002,588
Additional noninterest expense$1,279,0003,157
Pre-tax net operating income$1,670,0004,095
Securities gains (losses)$1,0003,559
Applicable income taxes$603,0003,651
Income before extraordinary items$1,068,0004,455
Extraordinary gains, net$044
Net income$1,068,0004,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0004,026
Cash dividends$561,0003,226
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,067,3604,400
1996-12-31 (YTD Data)Rank
Total interest income$8,012,0004,026
Total interest expense$3,288,0004,419
Net interest income$4,724,0003,736
Provision for loan and lease losses$246,0002,968
Total noninterest income$826,0003,617
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$451,0002,999
Trading account gains and feesNANA
Additional Noninterest Income$375,0003,522
Total noninterest expense$3,680,0003,597
Salaries and employee benefits$1,939,0003,430
Premises and equipment expense$578,0003,333
Additional noninterest expense$1,163,0003,886
Pre-tax net operating income$1,624,0004,081
Securities gains (losses)$16,0002,154
Applicable income taxes$583,0003,676
Income before extraordinary items$1,057,0004,283
Extraordinary gains, net$053
Net income$1,057,0004,284
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0003,244
Cash dividends$446,0003,681
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,046,7604,263
1995-12-31 (YTD Data)Rank
Total interest income$7,691,0004,159
Total interest expense$3,011,0004,739
Net interest income$4,680,0003,750
Provision for loan and lease losses$175,0003,337
Total noninterest income$614,0004,487
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$405,0003,325
Trading account gains and feesNANA
Additional Noninterest Income$209,0005,004
Total noninterest expense$3,549,0003,696
Salaries and employee benefits$1,821,0003,608
Premises and equipment expense$469,0003,959
Additional noninterest expense$1,259,0003,591
Pre-tax net operating income$1,570,0004,295
Securities gains (losses)$03,831
Applicable income taxes$569,0003,799
Income before extraordinary items$1,001,0004,625
Extraordinary gains, net$065
Net income$1,001,0004,624
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$224,0002,323
Cash dividends$381,0003,992
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,001,0004,594
1994-12-31 (YTD Data)Rank
Total interest income$7,131,0004,152
Total interest expense$2,539,0004,587
Net interest income$4,592,0003,845
Provision for loan and lease losses$410,0001,789
Total noninterest income$557,0004,914
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$366,0003,686
Trading account gains and feesNANA
Additional Noninterest Income$191,0005,424
Total noninterest expense$3,654,0003,702
Salaries and employee benefits$1,786,0003,648
Premises and equipment expense$438,0004,256
Additional noninterest expense$1,430,0003,465
Pre-tax net operating income$1,085,0005,625
Securities gains (losses)$03,600
Applicable income taxes$374,0005,013
Income before extraordinary items$711,0005,847
Extraordinary gains, net$0249
Net income$711,0005,864
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$635,0001,162
Cash dividends$82,0007,266
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$711,0005,909
1993-12-31 (YTD Data)Rank
Total interest income$7,397,0004,096
Total interest expense$2,720,0004,483
Net interest income$4,677,0003,798
Provision for loan and lease losses$832,0001,475
Total noninterest income$815,0003,934
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$369,0003,706
Trading account gains and feesNANA
Additional Noninterest Income$446,0003,513
Total noninterest expense$4,063,0003,444
Salaries and employee benefits$1,663,0003,893
Premises and equipment expense$418,0004,549
Additional noninterest expense$1,982,0002,757
Pre-tax net operating income$597,0007,966
Securities gains (losses)$7,0005,826
Applicable income taxes$191,0007,790
Income before extraordinary items$413,0008,302
Extraordinary gains, net$03,149
Net income$413,0008,463
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,205,0001,007
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$408,2408,071
1992-12-31 (YTD Data)Rank
Total interest income$8,588,0004,023
Total interest expense$3,897,0004,177
Net interest income$4,691,0003,855
Provision for loan and lease losses$3,382,000767
Total noninterest income$583,0005,066
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$412,0003,369
Trading account gains and feesNANA
Additional Noninterest Income$171,0006,197
Total noninterest expense$4,179,0003,369
Salaries and employee benefits$1,526,0004,168
Premises and equipment expense$376,0005,045
Additional noninterest expense$2,277,0002,515
Pre-tax net operating income$-2,287,00013,667
Securities gains (losses)$36,0004,684
Applicable income taxes$-775,00013,805
Income before extraordinary items$-1,476,00013,615
Extraordinary gains, net$01,422
Net income$-1,476,00013,608
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,007,000734
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,499,76013,563

* 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.