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Four Oaks Bank & Trust Company, Income and Expense

2017-09-30 (YTD Data)Rank
Total interest income$22,698,000945
Total interest expense$2,754,000879
Net interest income$19,944,000946
Provision for loan and lease losses$04,088
Total noninterest income$4,462,0001,002
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$1,121,000825
Trading account gains and feesNANA
Additional Noninterest Income$3,341,000905
Total noninterest expense$17,353,000930
Salaries and employee benefits$9,881,000918
Premises and equipment expense$1,368,0001,288
Additional noninterest expense$6,104,000809
Pre-tax net operating income$7,053,0001,060
Securities gains (losses)$02,274
Applicable income taxes$2,445,000795
Income before extraordinary items$4,608,0001,236
Extraordinary gains, net$09
Net income$4,608,0001,236
Minority interest net income$071
Net income of bank and minority interests.$4,608,0001,236
Net charge-offs$257,0001,220
Cash dividends$1,000,0001,672
Sale, conversion, retirement of capital stock, net$746,000212
Net operating income$4,608,0001,218
2017-06-30 (YTD Data)Rank
Total interest income$15,137,000942
Total interest expense$1,841,000858
Net interest income$13,296,000946
Provision for loan and lease losses$03,871
Total noninterest income$2,948,0001,007
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$741,000825
Trading account gains and feesNANA
Additional Noninterest Income$2,207,000899
Total noninterest expense$11,736,000916
Salaries and employee benefits$6,480,000934
Premises and equipment expense$911,0001,296
Additional noninterest expense$4,345,000765
Pre-tax net operating income$4,508,0001,079
Securities gains (losses)$01,906
Applicable income taxes$1,573,000801
Income before extraordinary items$2,935,0001,264
Extraordinary gains, net$011
Net income$2,935,0001,264
Minority interest net income$071
Net income of bank and minority interests.$2,935,0001,264
Net charge-offs$-7,0004,687
Cash dividends$1,000,0001,294
Sale, conversion, retirement of capital stock, net$324,000225
Net operating income$2,935,0001,243
2017-03-31 (YTD Data)Rank
Total interest income$7,603,000923
Total interest expense$916,000836
Net interest income$6,687,000937
Provision for loan and lease losses$03,537
Total noninterest income$1,327,0001,090
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$368,000827
Trading account gains and feesNANA
Additional Noninterest Income$959,000990
Total noninterest expense$5,890,000925
Salaries and employee benefits$3,333,000917
Premises and equipment expense$453,0001,303
Additional noninterest expense$2,104,000773
Pre-tax net operating income$2,124,0001,114
Securities gains (losses)$01,153
Applicable income taxes$749,000812
Income before extraordinary items$1,375,0001,315
Extraordinary gains, net$08
Net income$1,375,0001,314
Minority interest net income$055
Net income of bank and minority interests.$1,375,0001,315
Net charge-offs$27,0001,709
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$171,000196
Net operating income$1,375,0001,298
2016-12-31 (YTD Data)Rank
Total interest income$29,186,000937
Total interest expense$3,814,000773
Net interest income$25,372,000950
Provision for loan and lease losses$04,332
Total noninterest income$5,087,0001,132
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$1,445,000868
Trading account gains and fees$0170
Additional Noninterest Income$3,642,0001,057
Total noninterest expense$24,249,000882
Salaries and employee benefits$13,324,000885
Premises and equipment expense$1,993,0001,182
Additional noninterest expense$8,932,000747
Pre-tax net operating income$6,210,0001,361
Securities gains (losses)$266,000720
Applicable income taxes$-166,0005,796
Income before extraordinary items$6,642,0001,100
Extraordinary gains, net$05
Net income$6,642,0001,099
Minority interest net income$082
Net income of bank and minority interests.$6,642,0001,099
Net charge-offs$-31,0005,226
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$281,000355
Net operating income$6,376,0001,115
2016-09-30 (YTD Data)Rank
Total interest income$21,796,000936
Total interest expense$2,885,000766
Net interest income$18,911,000956
Provision for loan and lease losses$04,186
Total noninterest income$3,762,0001,146
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$1,081,000870
Trading account gains and fees$0169
Additional Noninterest Income$2,681,0001,067
Total noninterest expense$17,810,000894
Salaries and employee benefits$9,896,000895
Premises and equipment expense$1,520,0001,169
Additional noninterest expense$6,394,000776
Pre-tax net operating income$4,863,0001,340
Securities gains (losses)$266,000653
Applicable income taxes$1,895,000900
Income before extraordinary items$3,234,0001,576
Extraordinary gains, net$05
Net income$3,234,0001,575
Minority interest net income$071
Net income of bank and minority interests.$3,234,0001,576
Net charge-offs$-57,0005,410
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$157,000373
Net operating income$3,063,7601,606
2016-06-30 (YTD Data)Rank
Total interest income$14,415,000939
Total interest expense$1,942,000745
Net interest income$12,473,000968
Provision for loan and lease losses$04,017
Total noninterest income$2,451,0001,146
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$718,000867
Trading account gains and fees$0157
Additional Noninterest Income$1,733,0001,079
Total noninterest expense$11,945,000893
Salaries and employee benefits$6,571,000901
Premises and equipment expense$1,007,0001,173
Additional noninterest expense$4,367,000760
Pre-tax net operating income$2,979,0001,414
Securities gains (losses)$266,000476
Applicable income taxes$1,158,000966
Income before extraordinary items$2,087,0001,592
Extraordinary gains, net$016
Net income$2,087,0001,593
Minority interest net income$071
Net income of bank and minority interests.$2,087,0001,593
Net charge-offs$547,000565
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$81,000388
Net operating income$1,916,7601,679
2016-03-31 (YTD Data)Rank
Total interest income$7,119,000947
Total interest expense$982,000738
Net interest income$6,137,000979
Provision for loan and lease losses$03,656
Total noninterest income$1,161,0001,169
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$357,000858
Trading account gains and fees$0142
Additional Noninterest Income$804,0001,090
Total noninterest expense$5,748,000917
Salaries and employee benefits$3,222,000922
Premises and equipment expense$507,0001,178
Additional noninterest expense$2,019,000811
Pre-tax net operating income$1,550,0001,379
Securities gains (losses)$02,077
Applicable income taxes$550,000986
Income before extraordinary items$1,000,0001,621
Extraordinary gains, net$012
Net income$1,000,0001,622
Minority interest net income$062
Net income of bank and minority interests.$1,000,0001,622
Net charge-offs$532,000323
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$6,000563
Net operating income$1,000,0001,584
2015-12-31 (YTD Data)Rank
Total interest income$29,363,000879
Total interest expense$5,532,000498
Net interest income$23,831,000968
Provision for loan and lease losses$04,380
Total noninterest income$8,964,000735
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$1,566,000821
Trading account gains and fees$0159
Additional Noninterest Income$7,398,000614
Total noninterest expense$28,161,000730
Salaries and employee benefits$14,263,000806
Premises and equipment expense$2,144,0001,105
Additional noninterest expense$11,754,000570
Pre-tax net operating income$4,634,0001,682
Securities gains (losses)$265,000611
Applicable income taxes$-15,468,0006,169
Income before extraordinary items$20,367,000382
Extraordinary gains, net$023
Net income$20,367,000382
Minority interest net income$081
Net income of bank and minority interests.$20,367,000382
Net charge-offs$-238,0005,890
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$540,000301
Net operating income$20,102,000381
2015-09-30 (YTD Data)Rank
Total interest income$22,133,000874
Total interest expense$4,208,000490
Net interest income$17,925,000971
Provision for loan and lease losses$04,232
Total noninterest income$4,361,0001,022
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$1,198,000809
Trading account gains and fees$0153
Additional Noninterest Income$3,163,000919
Total noninterest expense$18,797,000835
Salaries and employee benefits$9,830,000871
Premises and equipment expense$1,688,0001,073
Additional noninterest expense$7,279,000695
Pre-tax net operating income$3,489,0001,698
Securities gains (losses)$265,000523
Applicable income taxes$-15,468,0006,264
Income before extraordinary items$19,222,000321
Extraordinary gains, net$021
Net income$19,222,000320
Minority interest net income$078
Net income of bank and minority interests.$19,222,000320
Net charge-offs$-894,0006,185
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$426,000270
Net operating income$18,957,000319
2015-06-30 (YTD Data)Rank
Total interest income$14,745,000874
Total interest expense$2,805,000490
Net interest income$11,940,000963
Provision for loan and lease losses$04,069
Total noninterest income$2,944,0001,021
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$797,000808
Trading account gains and fees$0157
Additional Noninterest Income$2,147,000918
Total noninterest expense$12,403,000855
Salaries and employee benefits$6,483,000881
Premises and equipment expense$1,168,0001,040
Additional noninterest expense$4,752,000709
Pre-tax net operating income$2,481,0001,590
Securities gains (losses)$56,0001,170
Applicable income taxes$-15,557,0006,344
Income before extraordinary items$18,094,000262
Extraordinary gains, net$022
Net income$18,094,000262
Minority interest net income$075
Net income of bank and minority interests.$18,094,000262
Net charge-offs$-434,0006,195
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$284,000263
Net operating income$18,038,000260
2015-03-31 (YTD Data)Rank
Total interest income$7,482,000857
Total interest expense$1,421,000480
Net interest income$6,061,000936
Provision for loan and lease losses$03,703
Total noninterest income$1,354,0001,042
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$414,000765
Trading account gains and fees$0152
Additional Noninterest Income$940,000969
Total noninterest expense$6,188,000848
Salaries and employee benefits$3,172,000901
Premises and equipment expense$591,0001,030
Additional noninterest expense$2,425,000683
Pre-tax net operating income$1,227,0001,568
Securities gains (losses)$56,000801
Applicable income taxes$04,400
Income before extraordinary items$1,283,0001,293
Extraordinary gains, net$013
Net income$1,283,0001,294
Minority interest net income$064
Net income of bank and minority interests.$1,283,0001,295
Net charge-offs$-413,0006,325
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$143,000222
Net operating income$1,227,0001,302
2014-12-31 (YTD Data)Rank
Total interest income$29,646,000846
Total interest expense$6,873,000407
Net interest income$22,773,000983
Provision for loan and lease losses$7,954,000155
Total noninterest income$8,858,000702
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$1,672,000806
Trading account gains and fees$0180
Additional Noninterest Income$7,186,000583
Total noninterest expense$27,070,000751
Salaries and employee benefits$11,874,000922
Premises and equipment expense$2,538,000956
Additional noninterest expense$12,658,000544
Pre-tax net operating income$-3,393,0006,469
Securities gains (losses)$265,000663
Applicable income taxes$04,531
Income before extraordinary items$-3,128,0006,458
Extraordinary gains, net$017
Net income$-3,128,0006,457
Minority interest net income$084
Net income of bank and minority interests.$-3,128,0006,457
Net charge-offs$10,166,000130
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$19,199,00021
Net operating income$-3,393,0006,464
2014-09-30 (YTD Data)Rank
Total interest income$22,259,000848
Total interest expense$5,217,000403
Net interest income$17,042,000988
Provision for loan and lease losses$7,954,000123
Total noninterest income$5,752,000798
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$1,259,000805
Trading account gains and fees$0174
Additional Noninterest Income$4,493,000670
Total noninterest expense$19,198,000793
Salaries and employee benefits$8,684,000939
Premises and equipment expense$1,925,000948
Additional noninterest expense$8,589,000589
Pre-tax net operating income$-4,358,0006,573
Securities gains (losses)$265,000519
Applicable income taxes$04,583
Income before extraordinary items$-4,093,0006,560
Extraordinary gains, net$015
Net income$-4,093,0006,559
Minority interest net income$081
Net income of bank and minority interests.$-4,093,0006,559
Net charge-offs$10,197,000111
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$19,187,00020
Net operating income$-4,358,0006,564
2014-06-30 (YTD Data)Rank
Total interest income$14,898,000841
Total interest expense$3,474,000407
Net interest income$11,424,000972
Provision for loan and lease losses$04,196
Total noninterest income$4,948,000640
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$813,000826
Trading account gains and fees$0172
Additional Noninterest Income$4,135,000514
Total noninterest expense$12,242,000817
Salaries and employee benefits$5,813,000935
Premises and equipment expense$1,280,000960
Additional noninterest expense$5,149,000645
Pre-tax net operating income$4,130,000991
Securities gains (losses)$214,000466
Applicable income taxes$04,568
Income before extraordinary items$4,344,000753
Extraordinary gains, net$020
Net income$4,344,000752
Minority interest net income$080
Net income of bank and minority interests.$4,344,000753
Net charge-offs$644,000708
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$4,130,000766
2014-03-31 (YTD Data)Rank
Total interest income$7,451,000841
Total interest expense$1,738,000408
Net interest income$5,713,000964
Provision for loan and lease losses$03,817
Total noninterest income$1,522,000902
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$400,000812
Trading account gains and fees$0147
Additional Noninterest Income$1,122,000763
Total noninterest expense$5,780,000869
Salaries and employee benefits$2,898,000950
Premises and equipment expense$589,0001,060
Additional noninterest expense$2,293,000718
Pre-tax net operating income$1,455,0001,286
Securities gains (losses)$124,000373
Applicable income taxes$04,445
Income before extraordinary items$1,579,000989
Extraordinary gains, net$016
Net income$1,579,000989
Minority interest net income$066
Net income of bank and minority interests.$1,579,000990
Net charge-offs$74,0001,565
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,455,0001,057
2013-12-31 (YTD Data)Rank
Total interest income$29,848,000837
Total interest expense$7,549,000416
Net interest income$22,299,000977
Provision for loan and lease losses$35,0004,474
Total noninterest income$4,538,0001,216
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$1,744,000792
Trading account gains and fees$0184
Additional Noninterest Income$2,794,0001,194
Total noninterest expense$26,366,000769
Salaries and employee benefits$12,153,000888
Premises and equipment expense$2,618,000923
Additional noninterest expense$11,595,000599
Pre-tax net operating income$436,0005,142
Securities gains (losses)$462,000482
Applicable income taxes$04,631
Income before extraordinary items$898,0004,087
Extraordinary gains, net$029
Net income$898,0004,090
Minority interest net income$090
Net income of bank and minority interests.$898,0004,090
Net charge-offs$4,994,000331
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$40,000701
Net operating income$436,0004,995
2013-09-30 (YTD Data)Rank
Total interest income$22,232,000848
Total interest expense$5,735,000422
Net interest income$16,497,000999
Provision for loan and lease losses$35,0004,223
Total noninterest income$3,313,0001,257
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$1,333,000788
Trading account gains and fees$0180
Additional Noninterest Income$1,980,0001,283
Total noninterest expense$19,243,000790
Salaries and employee benefits$9,133,000887
Premises and equipment expense$1,962,000924
Additional noninterest expense$8,148,000635
Pre-tax net operating income$532,0004,685
Securities gains (losses)$462,000437
Applicable income taxes$04,713
Income before extraordinary items$994,0003,436
Extraordinary gains, net$025
Net income$994,0003,439
Minority interest net income$084
Net income of bank and minority interests.$994,0003,440
Net charge-offs$4,288,000306
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$30,000655
Net operating income$532,0004,427
2013-06-30 (YTD Data)Rank
Total interest income$14,739,000848
Total interest expense$3,865,000422
Net interest income$10,874,000993
Provision for loan and lease losses$35,0003,880
Total noninterest income$2,475,0001,169
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$875,000788
Trading account gains and fees$0157
Additional Noninterest Income$1,600,0001,150
Total noninterest expense$13,086,000787
Salaries and employee benefits$6,313,000862
Premises and equipment expense$1,358,000892
Additional noninterest expense$5,415,000628
Pre-tax net operating income$228,0005,170
Securities gains (losses)$370,000477
Applicable income taxes$04,679
Income before extraordinary items$598,0003,615
Extraordinary gains, net$022
Net income$598,0003,617
Minority interest net income$082
Net income of bank and minority interests.$598,0003,618
Net charge-offs$2,546,000369
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$19,000632
Net operating income$228,0004,995
2013-03-31 (YTD Data)Rank
Total interest income$7,498,000836
Total interest expense$1,954,000433
Net interest income$5,544,000969
Provision for loan and lease losses$35,0003,111
Total noninterest income$1,463,0001,039
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$465,000737
Trading account gains and fees$0148
Additional Noninterest Income$998,0001,000
Total noninterest expense$6,645,000777
Salaries and employee benefits$3,319,000826
Premises and equipment expense$710,000878
Additional noninterest expense$2,616,000662
Pre-tax net operating income$327,0003,651
Securities gains (losses)$49,000931
Applicable income taxes$04,602
Income before extraordinary items$376,0003,140
Extraordinary gains, net$010
Net income$376,0003,141
Minority interest net income$076
Net income of bank and minority interests.$376,0003,142
Net charge-offs$1,337,000366
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$15,000514
Net operating income$327,0003,311
2012-12-31 (YTD Data)Rank
Total interest income$34,289,000762
Total interest expense$10,748,000374
Net interest income$23,541,000922
Provision for loan and lease losses$7,381,000361
Total noninterest income$2,146,0002,088
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$1,934,000741
Trading account gains and fees$0166
Additional Noninterest Income$212,0004,521
Total noninterest expense$26,309,000762
Salaries and employee benefits$12,342,000847
Premises and equipment expense$2,806,000857
Additional noninterest expense$11,161,000636
Pre-tax net operating income$-8,003,0007,005
Securities gains (losses)$1,981,000270
Applicable income taxes$-175,0006,770
Income before extraordinary items$-5,847,0006,979
Extraordinary gains, net$029
Net income$-5,847,0006,978
Minority interest net income$093
Net income of bank and minority interests.$-5,847,0006,978
Net charge-offs$11,973,000278
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$62,000665
Net operating income$-7,768,5706,998
2012-09-30 (YTD Data)Rank
Total interest income$25,966,000763
Total interest expense$8,358,000377
Net interest income$17,608,000933
Provision for loan and lease losses$1,803,000926
Total noninterest income$1,905,0001,850
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$1,440,000749
Trading account gains and fees$0157
Additional Noninterest Income$465,0003,057
Total noninterest expense$19,609,000766
Salaries and employee benefits$9,108,000857
Premises and equipment expense$2,103,000863
Additional noninterest expense$8,398,000641
Pre-tax net operating income$-1,899,0006,964
Securities gains (losses)$1,006,000404
Applicable income taxes$-175,0006,962
Income before extraordinary items$-718,0006,823
Extraordinary gains, net$020
Net income$-718,0006,820
Minority interest net income$086
Net income of bank and minority interests.$-718,0006,821
Net charge-offs$6,023,000397
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$49,000606
Net operating income$-1,522,8006,931
2012-06-30 (YTD Data)Rank
Total interest income$17,680,000762
Total interest expense$5,766,000381
Net interest income$11,914,000921
Provision for loan and lease losses$-286,0007,161
Total noninterest income$1,381,0001,727
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$932,000759
Trading account gains and fees$0153
Additional Noninterest Income$449,0002,482
Total noninterest expense$13,247,000756
Salaries and employee benefits$6,080,000852
Premises and equipment expense$1,427,000847
Additional noninterest expense$5,740,000622
Pre-tax net operating income$334,0004,716
Securities gains (losses)$657,000423
Applicable income taxes$-175,0007,057
Income before extraordinary items$1,166,0002,324
Extraordinary gains, net$019
Net income$1,166,0002,323
Minority interest net income$084
Net income of bank and minority interests.$1,166,0002,324
Net charge-offs$2,437,000593
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$34,000564
Net operating income$509,0003,761
2012-03-31 (YTD Data)Rank
Total interest income$9,137,000740
Total interest expense$2,913,000382
Net interest income$6,224,000871
Provision for loan and lease losses$-247,0007,240
Total noninterest income$773,0001,569
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$469,000752
Trading account gains and fees$0148
Additional Noninterest Income$304,0002,085
Total noninterest expense$6,434,000775
Salaries and employee benefits$3,051,000847
Premises and equipment expense$719,000849
Additional noninterest expense$2,664,000646
Pre-tax net operating income$810,0002,009
Securities gains (losses)$12,0001,741
Applicable income taxes$04,704
Income before extraordinary items$822,0001,757
Extraordinary gains, net$019
Net income$822,0001,759
Minority interest net income$078
Net income of bank and minority interests.$822,0001,758
Net charge-offs$1,511,000496
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$25,000449
Net operating income$810,0001,677
2011-12-31 (YTD Data)Rank
Total interest income$39,883,000701
Total interest expense$12,879,000432
Net interest income$27,004,000808
Provision for loan and lease losses$11,440,000375
Total noninterest income$1,674,0002,283
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$2,017,000725
Trading account gains and fees$0146
Additional Noninterest Income$-343,0007,038
Total noninterest expense$25,642,000772
Salaries and employee benefits$12,399,000797
Premises and equipment expense$2,977,000844
Additional noninterest expense$10,266,000702
Pre-tax net operating income$-8,404,0007,181
Securities gains (losses)$848,000515
Applicable income taxes$04,719
Income before extraordinary items$-7,556,0007,157
Extraordinary gains, net$029
Net income$-7,556,0007,156
Minority interest net income$096
Net income of bank and minority interests.$-7,556,0007,158
Net charge-offs$12,399,000366
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$95,000682
Net operating income$-8,404,0007,176
2011-09-30 (YTD Data)Rank
Total interest income$30,679,000698
Total interest expense$9,867,000447
Net interest income$20,812,000794
Provision for loan and lease losses$9,832,000322
Total noninterest income$2,583,0001,361
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$1,521,000729
Trading account gains and fees$0145
Additional Noninterest Income$1,062,0001,700
Total noninterest expense$19,181,000772
Salaries and employee benefits$9,285,000803
Premises and equipment expense$2,263,000841
Additional noninterest expense$7,633,000698
Pre-tax net operating income$-5,618,0007,253
Securities gains (losses)$743,000457
Applicable income taxes$04,740
Income before extraordinary items$-4,875,0007,241
Extraordinary gains, net$021
Net income$-4,875,0007,239
Minority interest net income$087
Net income of bank and minority interests.$-4,875,0007,240
Net charge-offs$9,595,000361
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$73,000627
Net operating income$-5,618,0007,266
2011-06-30 (YTD Data)Rank
Total interest income$21,023,000685
Total interest expense$6,732,000459
Net interest income$14,291,000776
Provision for loan and lease losses$5,126,000422
Total noninterest income$1,729,0001,353
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$995,000732
Trading account gains and fees$0153
Additional Noninterest Income$734,0001,660
Total noninterest expense$12,876,000778
Salaries and employee benefits$6,241,000796
Premises and equipment expense$1,503,000856
Additional noninterest expense$5,132,000708
Pre-tax net operating income$-1,982,0007,167
Securities gains (losses)$328,000515
Applicable income taxes$04,697
Income before extraordinary items$-1,654,0007,171
Extraordinary gains, net$015
Net income$-1,654,0007,172
Minority interest net income$089
Net income of bank and minority interests.$-1,654,0007,172
Net charge-offs$5,327,000441
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$50,000543
Net operating income$-1,982,0007,197
2011-03-31 (YTD Data)Rank
Total interest income$10,647,000679
Total interest expense$3,391,000475
Net interest income$7,256,000766
Provision for loan and lease losses$2,631,000411
Total noninterest income$771,0001,459
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$473,000757
Trading account gains and fees$0158
Additional Noninterest Income$298,0001,927
Total noninterest expense$6,272,000798
Salaries and employee benefits$3,136,000812
Premises and equipment expense$758,000867
Additional noninterest expense$2,378,000753
Pre-tax net operating income$-876,0007,239
Securities gains (losses)$44,000800
Applicable income taxes$04,545
Income before extraordinary items$-832,0007,254
Extraordinary gains, net$09
Net income$-832,0007,255
Minority interest net income$086
Net income of bank and minority interests.$-832,0007,255
Net charge-offs$2,606,000455
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$25,000492
Net operating income$-876,0007,264
2010-12-31 (YTD Data)Rank
Total interest income$45,842,000653
Total interest expense$14,821,000529
Net interest income$31,021,000697
Provision for loan and lease losses$31,744,000251
Total noninterest income$1,194,0002,926
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$2,035,000744
Trading account gains and fees$0175
Additional Noninterest Income$-841,0007,469
Total noninterest expense$25,572,000784
Salaries and employee benefits$12,611,000773
Premises and equipment expense$3,042,000845
Additional noninterest expense$9,919,000755
Pre-tax net operating income$-25,101,0007,549
Securities gains (losses)$3,411,000154
Applicable income taxes$6,074,000312
Income before extraordinary items$-27,764,0007,554
Extraordinary gains, net$029
Net income$-27,764,0007,553
Minority interest net income$0111
Net income of bank and minority interests.$-27,764,0007,554
Net charge-offs$25,320,000279
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$28,0001,050
Net operating income$-31,175,0007,564
2010-09-30 (YTD Data)Rank
Total interest income$35,027,000639
Total interest expense$11,327,000542
Net interest income$23,700,000676
Provision for loan and lease losses$20,186,000274
Total noninterest income$2,197,0001,570
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$1,510,000766
Trading account gains and fees$0165
Additional Noninterest Income$687,0002,293
Total noninterest expense$19,235,000768
Salaries and employee benefits$9,458,000763
Premises and equipment expense$2,273,000852
Additional noninterest expense$7,504,000726
Pre-tax net operating income$-13,524,0007,611
Securities gains (losses)$2,918,000147
Applicable income taxes$-4,701,0007,693
Income before extraordinary items$-5,905,0007,462
Extraordinary gains, net$023
Net income$-5,905,0007,462
Minority interest net income$0110
Net income of bank and minority interests.$-5,905,0007,462
Net charge-offs$18,412,000280
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$91,000680
Net operating income$-7,772,5207,521
2010-06-30 (YTD Data)Rank
Total interest income$23,501,000643
Total interest expense$7,695,000554
Net interest income$15,806,000678
Provision for loan and lease losses$5,136,000620
Total noninterest income$1,309,0001,663
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$1,005,000766
Trading account gains and fees$0152
Additional Noninterest Income$304,0002,824
Total noninterest expense$13,151,000737
Salaries and employee benefits$6,456,000741
Premises and equipment expense$1,478,000886
Additional noninterest expense$5,217,000695
Pre-tax net operating income$-1,172,0007,072
Securities gains (losses)$1,387,000186
Applicable income taxes$-357,0007,426
Income before extraordinary items$572,0003,158
Extraordinary gains, net$019
Net income$572,0003,153
Minority interest net income$0105
Net income of bank and minority interests.$572,0003,156
Net charge-offs$3,522,000723
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$59,000610
Net operating income$-815,0006,978
2010-03-31 (YTD Data)Rank
Total interest income$11,622,000668
Total interest expense$3,876,000576
Net interest income$7,746,000702
Provision for loan and lease losses$2,061,000738
Total noninterest income$697,0001,603
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$504,000767
Trading account gains and fees$0175
Additional Noninterest Income$193,0002,453
Total noninterest expense$6,616,000752
Salaries and employee benefits$3,298,000739
Premises and equipment expense$742,000914
Additional noninterest expense$2,576,000711
Pre-tax net operating income$-234,0006,885
Securities gains (losses)$254,000438
Applicable income taxes$-220,0007,578
Income before extraordinary items$240,0003,571
Extraordinary gains, net$016
Net income$240,0003,567
Minority interest net income$091
Net income of bank and minority interests.$240,0003,570
Net charge-offs$1,237,000893
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$27,000582
Net operating income$-14,0006,377
2009-12-31 (YTD Data)Rank
Total interest income$47,259,000699
Total interest expense$17,970,000635
Net interest income$29,289,000732
Provision for loan and lease losses$15,471,000591
Total noninterest income$4,536,0001,188
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$2,179,000782
Trading account gains and fees$0211
Additional Noninterest Income$2,357,0001,219
Total noninterest expense$30,280,000692
Salaries and employee benefits$12,365,000795
Premises and equipment expense$2,789,000973
Additional noninterest expense$15,126,000549
Pre-tax net operating income$-11,926,0007,556
Securities gains (losses)$2,261,000247
Applicable income taxes$-2,745,0007,598
Income before extraordinary items$-6,920,0007,428
Extraordinary gains, net$034
Net income$-6,920,0007,427
Minority interest net income$0115
Net income of bank and minority interests.$-6,920,0007,427
Net charge-offs$9,337,000723
Cash dividends$282,0003,297
Sale, conversion, retirement of capital stock, net$71,000983
Net operating income$-8,547,9207,513
2009-09-30 (YTD Data)Rank
Total interest income$35,774,000710
Total interest expense$13,925,000652
Net interest income$21,849,000734
Provision for loan and lease losses$10,497,000603
Total noninterest income$3,357,0001,214
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$1,649,000768
Trading account gains and fees$0212
Additional Noninterest Income$1,708,0001,279
Total noninterest expense$17,613,000882
Salaries and employee benefits$9,111,000813
Premises and equipment expense$2,041,0001,000
Additional noninterest expense$6,461,000869
Pre-tax net operating income$-2,904,0007,261
Securities gains (losses)$1,912,000223
Applicable income taxes$-1,236,0007,616
Income before extraordinary items$244,0004,658
Extraordinary gains, net$027
Net income$244,0004,656
Minority interest net income$0118
Net income of bank and minority interests.$244,0004,659
Net charge-offs$3,713,0001,034
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$55,000904
Net operating income$-979,6806,733
2009-06-30 (YTD Data)Rank
Total interest income$23,790,000729
Total interest expense$9,589,000675
Net interest income$14,201,000756
Provision for loan and lease losses$6,014,000654
Total noninterest income$2,179,0001,258
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$1,108,000747
Trading account gains and fees$0193
Additional Noninterest Income$1,071,0001,365
Total noninterest expense$11,757,000895
Salaries and employee benefits$6,116,000828
Premises and equipment expense$1,366,0001,033
Additional noninterest expense$4,275,000890
Pre-tax net operating income$-1,391,0007,193
Securities gains (losses)$1,232,000238
Applicable income taxes$-600,0007,628
Income before extraordinary items$441,0003,322
Extraordinary gains, net$021
Net income$441,0003,317
Minority interest net income$0112
Net income of bank and minority interests.$441,0003,320
Net charge-offs$2,267,0001,049
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$40,000860
Net operating income$-347,4806,580
2009-03-31 (YTD Data)Rank
Total interest income$11,853,000738
Total interest expense$5,055,000665
Net interest income$6,798,000788
Provision for loan and lease losses$1,642,000861
Total noninterest income$1,017,0001,266
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$550,000727
Trading account gains and fees$0171
Additional Noninterest Income$467,0001,446
Total noninterest expense$5,578,000915
Salaries and employee benefits$3,145,000805
Premises and equipment expense$661,0001,076
Additional noninterest expense$1,772,000944
Pre-tax net operating income$595,0002,068
Securities gains (losses)$537,000309
Applicable income taxes$138,0001,847
Income before extraordinary items$994,0001,094
Extraordinary gains, net$015
Net income$994,0001,096
Minority interest net income$0102
Net income of bank and minority interests.$994,0001,096
Net charge-offs$733,0001,125
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$24,000708
Net operating income$521,4401,930
2008-12-31 (YTD Data)Rank
Total interest income$48,953,000761
Total interest expense$22,901,000697
Net interest income$26,052,000826
Provision for loan and lease losses$3,336,0001,297
Total noninterest income$4,641,0001,132
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$2,291,000764
Trading account gains and fees$0154
Additional Noninterest Income$2,350,0001,159
Total noninterest expense$21,663,000917
Salaries and employee benefits$12,361,000799
Premises and equipment expense$2,568,0001,092
Additional noninterest expense$6,734,000950
Pre-tax net operating income$5,694,000984
Securities gains (losses)$576,000334
Applicable income taxes$1,649,000798
Income before extraordinary items$4,621,000878
Extraordinary gains, net$039
Net income$4,621,000878
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,837,0001,367
Cash dividends$5,482,000522
Sale, conversion, retirement of capital stock, net$277,000685
Net operating income$4,194,7601,055
2008-09-30 (YTD Data)Rank
Total interest income$36,719,000784
Total interest expense$17,204,000727
Net interest income$19,515,000840
Provision for loan and lease losses$1,589,0001,371
Total noninterest income$3,528,0001,149
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$1,703,000778
Trading account gains and fees$0148
Additional Noninterest Income$1,825,0001,185
Total noninterest expense$15,928,000929
Salaries and employee benefits$9,072,000843
Premises and equipment expense$1,925,0001,090
Additional noninterest expense$4,931,000924
Pre-tax net operating income$5,526,000921
Securities gains (losses)$389,000382
Applicable income taxes$1,778,000714
Income before extraordinary items$4,137,000883
Extraordinary gains, net$031
Net income$4,137,000882
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,035,0001,273
Cash dividends$4,096,000541
Sale, conversion, retirement of capital stock, net$235,000532
Net operating income$3,864,7001,005
2008-06-30 (YTD Data)Rank
Total interest income$24,339,000797
Total interest expense$11,672,000733
Net interest income$12,667,000858
Provision for loan and lease losses$1,242,0001,070
Total noninterest income$2,422,0001,140
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$1,066,000809
Trading account gains and fees$0149
Additional Noninterest Income$1,356,0001,134
Total noninterest expense$10,404,000951
Salaries and employee benefits$5,945,000868
Premises and equipment expense$1,239,0001,127
Additional noninterest expense$3,220,000925
Pre-tax net operating income$3,443,0001,043
Securities gains (losses)$296,000450
Applicable income taxes$1,106,000865
Income before extraordinary items$2,633,0001,043
Extraordinary gains, net$021
Net income$2,633,0001,043
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$901,000924
Cash dividends$1,046,0001,347
Sale, conversion, retirement of capital stock, net$192,000425
Net operating income$2,425,8001,117
2008-03-31 (YTD Data)Rank
Total interest income$12,118,000830
Total interest expense$5,842,000786
Net interest income$6,276,000864
Provision for loan and lease losses$288,0001,450
Total noninterest income$1,154,0001,188
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$531,000808
Trading account gains and fees$0158
Additional Noninterest Income$623,0001,205
Total noninterest expense$4,879,000998
Salaries and employee benefits$2,849,000913
Premises and equipment expense$601,0001,157
Additional noninterest expense$1,429,0001,006
Pre-tax net operating income$2,263,000843
Securities gains (losses)$133,000590
Applicable income taxes$804,000690
Income before extraordinary items$1,592,000946
Extraordinary gains, net$015
Net income$1,592,000948
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$141,0001,531
Cash dividends$497,0001,398
Sale, conversion, retirement of capital stock, net$150,000253
Net operating income$1,504,220961
2007-12-31 (YTD Data)Rank
Total interest income$47,455,000884
Total interest expense$23,175,000852
Net interest income$24,280,000913
Provision for loan and lease losses$1,362,0001,140
Total noninterest income$3,851,0001,336
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$2,098,000851
Trading account gains and fees$0178
Additional Noninterest Income$1,753,0001,496
Total noninterest expense$17,409,0001,076
Salaries and employee benefits$10,134,000980
Premises and equipment expense$2,208,0001,197
Additional noninterest expense$5,067,0001,115
Pre-tax net operating income$9,360,000903
Securities gains (losses)$-36,0007,925
Applicable income taxes$3,187,000770
Income before extraordinary items$6,137,0001,058
Extraordinary gains, net$039
Net income$6,137,0001,056
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$275,0002,412
Cash dividends$1,784,0001,771
Sale, conversion, retirement of capital stock, net$432,000563
Net operating income$6,160,7601,035
2007-09-30 (YTD Data)Rank
Total interest income$34,996,000898
Total interest expense$17,104,000865
Net interest income$17,892,000930
Provision for loan and lease losses$774,0001,126
Total noninterest income$2,858,0001,356
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,526,000864
Trading account gains and fees$0184
Additional Noninterest Income$1,332,0001,494
Total noninterest expense$12,968,0001,075
Salaries and employee benefits$7,582,000987
Premises and equipment expense$1,609,0001,228
Additional noninterest expense$3,777,0001,088
Pre-tax net operating income$7,008,000984
Securities gains (losses)$-44,0008,144
Applicable income taxes$2,311,000857
Income before extraordinary items$4,653,0001,127
Extraordinary gains, net$033
Net income$4,653,0001,124
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0002,263
Cash dividends$1,289,0001,691
Sale, conversion, retirement of capital stock, net$373,000463
Net operating income$4,682,4801,099
2007-06-30 (YTD Data)Rank
Total interest income$22,695,000937
Total interest expense$11,097,000890
Net interest income$11,598,000972
Provision for loan and lease losses$494,0001,048
Total noninterest income$1,675,0001,542
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,013,000885
Trading account gains and fees$0168
Additional Noninterest Income$662,0001,850
Total noninterest expense$8,704,0001,085
Salaries and employee benefits$5,051,0001,004
Premises and equipment expense$1,042,0001,285
Additional noninterest expense$2,611,0001,065
Pre-tax net operating income$4,075,0001,157
Securities gains (losses)$-29,0008,202
Applicable income taxes$1,315,0001,024
Income before extraordinary items$2,731,0001,311
Extraordinary gains, net$029
Net income$2,731,0001,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0001,774
Cash dividends$840,0001,761
Sale, conversion, retirement of capital stock, net$309,000375
Net operating income$2,750,4301,284
2007-03-31 (YTD Data)Rank
Total interest income$11,114,000950
Total interest expense$5,342,000914
Net interest income$5,772,000969
Provision for loan and lease losses$262,000925
Total noninterest income$1,013,0001,296
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$489,000884
Trading account gains and fees$0195
Additional Noninterest Income$524,0001,311
Total noninterest expense$4,203,0001,118
Salaries and employee benefits$2,497,0001,020
Premises and equipment expense$506,0001,327
Additional noninterest expense$1,200,0001,132
Pre-tax net operating income$2,320,0001,013
Securities gains (losses)$1,0001,055
Applicable income taxes$750,000923
Income before extraordinary items$1,571,0001,122
Extraordinary gains, net$022
Net income$1,571,0001,121
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0001,440
Cash dividends$392,0001,702
Sale, conversion, retirement of capital stock, net$211,000236
Net operating income$1,570,3201,104
2006-12-31 (YTD Data)Rank
Total interest income$40,511,000966
Total interest expense$17,378,000966
Net interest income$23,133,000961
Provision for loan and lease losses$873,0001,185
Total noninterest income$4,241,0001,246
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$2,053,000862
Trading account gains and fees$0130
Additional Noninterest Income$2,188,0001,276
Total noninterest expense$15,427,0001,169
Salaries and employee benefits$8,640,0001,123
Premises and equipment expense$2,118,0001,208
Additional noninterest expense$4,669,0001,149
Pre-tax net operating income$11,074,000900
Securities gains (losses)$-121,0008,263
Applicable income taxes$3,619,000816
Income before extraordinary items$7,334,0001,022
Extraordinary gains, net$051
Net income$7,334,0001,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$272,0001,800
Cash dividends$1,448,0001,986
Sale, conversion, retirement of capital stock, net$436,000624
Net operating income$7,415,070996
2006-09-30 (YTD Data)Rank
Total interest income$29,428,0001,000
Total interest expense$12,251,000997
Net interest income$17,177,000987
Provision for loan and lease losses$686,0001,068
Total noninterest income$3,435,0001,191
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$1,541,000861
Trading account gains and fees$0126
Additional Noninterest Income$1,894,0001,141
Total noninterest expense$11,129,0001,229
Salaries and employee benefits$6,166,0001,202
Premises and equipment expense$1,589,0001,222
Additional noninterest expense$3,374,0001,199
Pre-tax net operating income$8,797,000885
Securities gains (losses)$-103,0008,412
Applicable income taxes$2,966,000798
Income before extraordinary items$5,728,0001,014
Extraordinary gains, net$045
Net income$5,728,0001,013
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,0002,554
Cash dividends$1,059,0001,845
Sale, conversion, retirement of capital stock, net$227,000572
Net operating income$5,795,980985
2006-06-30 (YTD Data)Rank
Total interest income$18,901,0001,015
Total interest expense$7,631,000998
Net interest income$11,270,0001,005
Provision for loan and lease losses$354,0001,298
Total noninterest income$1,803,0001,414
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,002,000870
Trading account gains and fees$0126
Additional Noninterest Income$801,0001,596
Total noninterest expense$7,243,0001,264
Salaries and employee benefits$4,027,0001,228
Premises and equipment expense$1,031,0001,255
Additional noninterest expense$2,185,0001,235
Pre-tax net operating income$5,476,000941
Securities gains (losses)$-86,0008,503
Applicable income taxes$1,892,000827
Income before extraordinary items$3,498,0001,101
Extraordinary gains, net$039
Net income$3,498,0001,102
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,181
Cash dividends$705,0001,867
Sale, conversion, retirement of capital stock, net$163,000458
Net operating income$3,553,9001,062
2006-03-31 (YTD Data)Rank
Total interest income$9,235,0001,013
Total interest expense$3,623,000998
Net interest income$5,612,0001,012
Provision for loan and lease losses$186,0001,209
Total noninterest income$897,0001,388
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$487,000863
Trading account gains and fees$0115
Additional Noninterest Income$410,0001,547
Total noninterest expense$3,482,0001,312
Salaries and employee benefits$1,872,0001,330
Premises and equipment expense$509,0001,278
Additional noninterest expense$1,101,0001,208
Pre-tax net operating income$2,841,000898
Securities gains (losses)$-20,0008,379
Applicable income taxes$1,030,000768
Income before extraordinary items$1,791,0001,056
Extraordinary gains, net$021
Net income$1,791,0001,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0001,837
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$123,000293
Net operating income$1,803,8001,032
2005-12-31 (YTD Data)Rank
Total interest income$29,386,0001,122
Total interest expense$10,062,0001,125
Net interest income$19,324,0001,123
Provision for loan and lease losses$1,403,000767
Total noninterest income$3,356,0001,465
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$1,875,000924
Trading account gains and fees$0138
Additional Noninterest Income$1,481,0001,680
Total noninterest expense$13,295,0001,294
Salaries and employee benefits$7,338,0001,259
Premises and equipment expense$1,862,0001,319
Additional noninterest expense$4,095,0001,265
Pre-tax net operating income$7,982,0001,198
Securities gains (losses)$-386,0008,678
Applicable income taxes$2,730,0001,045
Income before extraordinary items$4,866,0001,452
Extraordinary gains, net$046
Net income$4,866,0001,452
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$493,0001,178
Cash dividends$937,0002,595
Sale, conversion, retirement of capital stock, net$106,000715
Net operating income$5,113,0401,378
2005-09-30 (YTD Data)Rank
Total interest income$20,885,0001,154
Total interest expense$6,709,0001,178
Net interest income$14,176,0001,133
Provision for loan and lease losses$876,000862
Total noninterest income$2,848,0001,343
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$1,392,000935
Trading account gains and fees$0126
Additional Noninterest Income$1,456,0001,397
Total noninterest expense$9,912,0001,289
Salaries and employee benefits$5,469,0001,259
Premises and equipment expense$1,398,0001,304
Additional noninterest expense$3,045,0001,260
Pre-tax net operating income$6,236,0001,151
Securities gains (losses)$-179,0008,712
Applicable income taxes$2,195,000989
Income before extraordinary items$3,862,0001,388
Extraordinary gains, net$035
Net income$3,862,0001,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$231,0001,525
Cash dividends$937,0001,892
Sale, conversion, retirement of capital stock, net$64,000608
Net operating income$3,976,5601,335
2005-06-30 (YTD Data)Rank
Total interest income$13,123,0001,193
Total interest expense$3,990,0001,255
Net interest income$9,133,0001,155
Provision for loan and lease losses$378,0001,244
Total noninterest income$1,714,0001,440
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$904,000935
Trading account gains and fees$0116
Additional Noninterest Income$810,0001,567
Total noninterest expense$6,557,0001,295
Salaries and employee benefits$3,554,0001,289
Premises and equipment expense$936,0001,283
Additional noninterest expense$2,067,0001,216
Pre-tax net operating income$3,912,0001,192
Securities gains (losses)$-113,0008,721
Applicable income taxes$1,338,0001,053
Income before extraordinary items$2,461,0001,423
Extraordinary gains, net$030
Net income$2,461,0001,423
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0001,928
Cash dividends$623,0001,887
Sale, conversion, retirement of capital stock, net$53,000491
Net operating income$2,534,4501,359
2005-03-31 (YTD Data)Rank
Total interest income$6,219,0001,235
Total interest expense$1,820,0001,314
Net interest income$4,399,0001,193
Provision for loan and lease losses$187,0001,186
Total noninterest income$793,0001,504
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$428,000965
Trading account gains and fees$0115
Additional Noninterest Income$365,0001,655
Total noninterest expense$3,166,0001,348
Salaries and employee benefits$1,739,0001,323
Premises and equipment expense$476,0001,263
Additional noninterest expense$951,0001,302
Pre-tax net operating income$1,839,0001,243
Securities gains (losses)$-54,0008,791
Applicable income taxes$617,0001,119
Income before extraordinary items$1,168,0001,453
Extraordinary gains, net$024
Net income$1,168,0001,454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0001,591
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$43,000333
Net operating income$1,203,1001,388
2004-12-31 (YTD Data)Rank
Total interest income$21,733,0001,300
Total interest expense$5,841,0001,407
Net interest income$15,892,0001,271
Provision for loan and lease losses$1,596,000679
Total noninterest income$3,702,0001,364
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,941,000895
Trading account gains and fees$0138
Additional Noninterest Income$1,761,0001,458
Total noninterest expense$11,478,0001,417
Salaries and employee benefits$6,391,0001,389
Premises and equipment expense$1,730,0001,336
Additional noninterest expense$3,357,0001,480
Pre-tax net operating income$6,520,0001,324
Securities gains (losses)$71,0001,485
Applicable income taxes$2,306,0001,116
Income before extraordinary items$4,285,0001,504
Extraordinary gains, net$034
Net income$4,285,0001,505
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$971,000798
Cash dividends$1,089,0002,183
Sale, conversion, retirement of capital stock, net$94,000665
Net operating income$4,238,8501,471
2004-09-30 (YTD Data)Rank
Total interest income$15,881,0001,327
Total interest expense$4,265,0001,414
Net interest income$11,616,0001,292
Provision for loan and lease losses$1,391,000568
Total noninterest income$2,797,0001,375
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,485,000879
Trading account gains and fees$0134
Additional Noninterest Income$1,312,0001,469
Total noninterest expense$8,421,0001,449
Salaries and employee benefits$4,729,0001,399
Premises and equipment expense$1,290,0001,337
Additional noninterest expense$2,402,0001,520
Pre-tax net operating income$4,601,0001,412
Securities gains (losses)$64,0001,472
Applicable income taxes$1,615,0001,209
Income before extraordinary items$3,050,0001,590
Extraordinary gains, net$026
Net income$3,050,0001,591
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$821,000659
Cash dividends$542,0002,570
Sale, conversion, retirement of capital stock, net$44,000604
Net operating income$3,008,4001,562
2004-06-30 (YTD Data)Rank
Total interest income$10,275,0001,351
Total interest expense$2,751,0001,445
Net interest income$7,524,0001,316
Provision for loan and lease losses$990,000529
Total noninterest income$1,722,0001,443
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,007,000854
Trading account gains and fees$0130
Additional Noninterest Income$715,0001,686
Total noninterest expense$5,633,0001,435
Salaries and employee benefits$3,180,0001,380
Premises and equipment expense$851,0001,355
Additional noninterest expense$1,602,0001,509
Pre-tax net operating income$2,623,0001,598
Securities gains (losses)$106,000987
Applicable income taxes$961,0001,321
Income before extraordinary items$1,768,0001,793
Extraordinary gains, net$021
Net income$1,768,0001,794
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$615,000602
Cash dividends$542,0002,022
Sale, conversion, retirement of capital stock, net$41,000503
Net operating income$1,699,1001,796
2004-03-31 (YTD Data)Rank
Total interest income$5,019,0001,387
Total interest expense$1,344,0001,488
Net interest income$3,675,0001,350
Provision for loan and lease losses$568,000473
Total noninterest income$837,0001,443
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$496,000854
Trading account gains and fees$0121
Additional Noninterest Income$341,0001,717
Total noninterest expense$2,771,0001,469
Salaries and employee benefits$1,616,0001,372
Premises and equipment expense$412,0001,421
Additional noninterest expense$743,0001,605
Pre-tax net operating income$1,173,0001,761
Securities gains (losses)$56,0001,127
Applicable income taxes$429,0001,470
Income before extraordinary items$800,0001,959
Extraordinary gains, net$016
Net income$800,0001,959
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$133,0001,063
Cash dividends$271,0001,850
Sale, conversion, retirement of capital stock, net$39,000330
Net operating income$763,6001,945
2003-12-31 (YTD Data)Rank
Total interest income$18,697,0001,537
Total interest expense$5,943,0001,494
Net interest income$12,754,0001,526
Provision for loan and lease losses$1,373,000883
Total noninterest income$3,372,0001,535
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,866,000918
Trading account gains and fees$0160
Additional Noninterest Income$1,506,0001,815
Total noninterest expense$10,572,0001,512
Salaries and employee benefits$5,942,0001,444
Premises and equipment expense$1,617,0001,405
Additional noninterest expense$3,013,0001,626
Pre-tax net operating income$4,181,0001,909
Securities gains (losses)$273,0001,113
Applicable income taxes$1,612,0001,522
Income before extraordinary items$2,842,0002,138
Extraordinary gains, net$054
Net income$2,842,0002,138
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$803,0001,092
Cash dividends$1,166,0002,108
Sale, conversion, retirement of capital stock, net$18,000792
Net operating income$2,667,2802,151
2003-09-30 (YTD Data)Rank
Total interest income$13,819,0001,588
Total interest expense$4,595,0001,511
Net interest income$9,224,0001,587
Provision for loan and lease losses$1,051,000854
Total noninterest income$2,544,0001,564
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,378,000944
Trading account gains and fees$0153
Additional Noninterest Income$1,166,0001,845
Total noninterest expense$7,944,0001,519
Salaries and employee benefits$4,478,0001,453
Premises and equipment expense$1,200,0001,428
Additional noninterest expense$2,266,0001,612
Pre-tax net operating income$2,773,0002,180
Securities gains (losses)$275,0001,020
Applicable income taxes$1,065,0001,768
Income before extraordinary items$1,983,0002,362
Extraordinary gains, net$040
Net income$1,983,0002,361
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$660,000945
Cash dividends$688,0002,205
Sale, conversion, retirement of capital stock, net$18,000630
Net operating income$1,804,2502,434
2003-06-30 (YTD Data)Rank
Total interest income$9,145,0001,608
Total interest expense$3,178,0001,511
Net interest income$5,967,0001,632
Provision for loan and lease losses$766,000796
Total noninterest income$1,609,0001,630
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$903,000950
Trading account gains and fees$0150
Additional Noninterest Income$706,0001,952
Total noninterest expense$5,283,0001,522
Salaries and employee benefits$2,982,0001,447
Premises and equipment expense$786,0001,456
Additional noninterest expense$1,515,0001,603
Pre-tax net operating income$1,527,0002,546
Securities gains (losses)$264,000884
Applicable income taxes$548,0002,187
Income before extraordinary items$1,243,0002,496
Extraordinary gains, net$030
Net income$1,243,0002,494
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$461,000893
Cash dividends$688,0001,737
Sale, conversion, retirement of capital stock, net$18,000499
Net operating income$1,060,8402,682
2003-03-31 (YTD Data)Rank
Total interest income$4,552,0001,632
Total interest expense$1,662,0001,491
Net interest income$2,890,0001,693
Provision for loan and lease losses$343,000832
Total noninterest income$749,0001,674
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$443,000942
Trading account gains and fees$0134
Additional Noninterest Income$306,0002,083
Total noninterest expense$2,528,0001,577
Salaries and employee benefits$1,439,0001,486
Premises and equipment expense$393,0001,476
Additional noninterest expense$696,0001,693
Pre-tax net operating income$768,0002,554
Securities gains (losses)$165,000736
Applicable income taxes$303,0002,040
Income before extraordinary items$630,0002,417
Extraordinary gains, net$021
Net income$630,0002,415
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$243,000824
Cash dividends$214,0002,129
Sale, conversion, retirement of capital stock, net$18,000325
Net operating income$517,8002,733
2002-12-31 (YTD Data)Rank
Total interest income$19,583,0001,574
Total interest expense$7,674,0001,476
Net interest income$11,909,0001,623
Provision for loan and lease losses$1,248,0001,090
Total noninterest income$3,013,0001,551
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,827,000886
Trading account gains and fees$0153
Additional Noninterest Income$1,186,0001,947
Total noninterest expense$9,438,0001,625
Salaries and employee benefits$5,230,0001,549
Premises and equipment expense$1,349,0001,629
Additional noninterest expense$2,859,0001,642
Pre-tax net operating income$4,236,0001,894
Securities gains (losses)$-8,0008,882
Applicable income taxes$1,306,0001,841
Income before extraordinary items$2,922,0002,054
Extraordinary gains, net$070
Net income$2,922,0002,053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,038,000941
Cash dividends$638,0003,051
Sale, conversion, retirement of capital stock, net$52,000711
Net operating income$2,927,5201,980
2001-12-31 (YTD Data)Rank
Total interest income$21,270,0001,591
Total interest expense$10,193,0001,595
Net interest income$11,077,0001,605
Provision for loan and lease losses$834,0001,456
Total noninterest income$2,673,0001,614
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,436,0001,038
Trading account gains and fees$0177
Additional Noninterest Income$1,237,0001,759
Total noninterest expense$8,827,0001,651
Salaries and employee benefits$4,610,0001,623
Premises and equipment expense$1,088,0001,967
Additional noninterest expense$3,129,0001,491
Pre-tax net operating income$4,089,0001,745
Securities gains (losses)$-198,0009,542
Applicable income taxes$1,255,0001,748
Income before extraordinary items$2,636,0001,991
Extraordinary gains, net$0105
Net income$2,636,0001,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$954,000974
Cash dividends$753,0002,723
Sale, conversion, retirement of capital stock, net$15,000825
Net operating income$2,770,6401,817
2000-12-31 (YTD Data)Rank
Total interest income$20,808,0001,663
Total interest expense$9,696,0001,769
Net interest income$11,112,0001,576
Provision for loan and lease losses$808,0001,268
Total noninterest income$1,879,0001,966
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,007,0001,355
Trading account gains and fees$0180
Additional Noninterest Income$872,0002,031
Total noninterest expense$7,398,0001,881
Salaries and employee benefits$3,900,0001,849
Premises and equipment expense$743,0002,744
Additional noninterest expense$2,755,0001,615
Pre-tax net operating income$4,785,0001,544
Securities gains (losses)$-27,0008,889
Applicable income taxes$1,664,0001,381
Income before extraordinary items$3,094,0001,695
Extraordinary gains, net$038
Net income$3,094,0001,695
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$388,0001,507
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$16,000869
Net operating income$3,111,5501,678
1999-12-31 (YTD Data)Rank
Total interest income$18,335,0001,776
Total interest expense$7,691,0001,946
Net interest income$10,644,0001,634
Provision for loan and lease losses$857,0001,114
Total noninterest income$1,759,0002,036
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$920,0001,412
Trading account gains and fees$0173
Additional Noninterest Income$839,0002,091
Total noninterest expense$6,630,0002,052
Salaries and employee benefits$3,658,0001,909
Premises and equipment expense$672,0002,964
Additional noninterest expense$2,300,0001,893
Pre-tax net operating income$4,916,0001,529
Securities gains (losses)$-14,0009,441
Applicable income taxes$1,805,0001,350
Income before extraordinary items$3,097,0001,724
Extraordinary gains, net$035
Net income$3,097,0001,725
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$452,0001,316
Cash dividends$148,0005,697
Sale, conversion, retirement of capital stock, net$12,000966
Net operating income$3,105,9601,684
1998-12-31 (YTD Data)Rank
Total interest income$17,463,0001,854
Total interest expense$8,157,0001,872
Net interest income$9,306,0001,837
Provision for loan and lease losses$993,000983
Total noninterest income$1,398,0002,395
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$875,0001,432
Trading account gains and fees$0224
Additional Noninterest Income$523,0002,901
Total noninterest expense$5,869,0002,229
Salaries and employee benefits$3,139,0002,158
Premises and equipment expense$609,0003,120
Additional noninterest expense$2,121,0002,006
Pre-tax net operating income$3,842,0001,899
Securities gains (losses)$49,0001,746
Applicable income taxes$1,300,0001,850
Income before extraordinary items$2,591,0002,020
Extraordinary gains, net$032
Net income$2,591,0002,019
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$773,000909
Cash dividends$534,0003,371
Sale, conversion, retirement of capital stock, net$109,000760
Net operating income$2,558,1701,965
1997-12-31 (YTD Data)Rank
Total interest income$14,827,0002,205
Total interest expense$7,045,0002,138
Net interest income$7,782,0002,265
Provision for loan and lease losses$785,0001,208
Total noninterest income$1,452,0002,266
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$991,0001,296
Trading account gains and fees$0239
Additional Noninterest Income$461,0002,990
Total noninterest expense$5,238,0002,462
Salaries and employee benefits$2,716,0002,448
Premises and equipment expense$573,0003,284
Additional noninterest expense$1,949,0002,150
Pre-tax net operating income$3,211,0002,335
Securities gains (losses)$-4,0009,548
Applicable income taxes$1,076,0002,293
Income before extraordinary items$2,131,0002,437
Extraordinary gains, net$044
Net income$2,131,0002,436
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$500,0001,336
Cash dividends$476,0003,603
Sale, conversion, retirement of capital stock, net$312,000606
Net operating income$2,133,6402,376
1996-12-31 (YTD Data)Rank
Total interest income$12,248,0002,713
Total interest expense$5,694,0002,670
Net interest income$6,554,0002,708
Provision for loan and lease losses$397,0002,115
Total noninterest income$947,0003,269
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$620,0002,177
Trading account gains and fees$0262
Additional Noninterest Income$327,0003,872
Total noninterest expense$4,374,0003,092
Salaries and employee benefits$2,312,0002,891
Premises and equipment expense$441,0004,189
Additional noninterest expense$1,621,0002,929
Pre-tax net operating income$2,730,0002,565
Securities gains (losses)$-66,00011,113
Applicable income taxes$843,0002,719
Income before extraordinary items$1,821,0002,671
Extraordinary gains, net$053
Net income$1,821,0002,673
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$177,0002,872
Cash dividends$425,0003,738
Sale, conversion, retirement of capital stock, net$213,000566
Net operating income$1,865,8802,571
1995-12-31 (YTD Data)Rank
Total interest income$10,465,0003,171
Total interest expense$4,785,0003,143
Net interest income$5,680,0003,140
Provision for loan and lease losses$385,0001,912
Total noninterest income$771,0003,786
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$535,0002,510
Trading account gains and fees$0522
Additional Noninterest Income$236,0004,654
Total noninterest expense$3,819,0003,467
Salaries and employee benefits$2,003,0003,306
Premises and equipment expense$423,0004,322
Additional noninterest expense$1,393,0003,283
Pre-tax net operating income$2,247,0003,156
Securities gains (losses)$-42,00011,077
Applicable income taxes$681,0003,314
Income before extraordinary items$1,524,0003,203
Extraordinary gains, net$065
Net income$1,524,0003,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0003,382
Cash dividends$393,0003,952
Sale, conversion, retirement of capital stock, net$88,000587
Net operating income$1,552,9803,120
1994-12-31 (YTD Data)Rank
Total interest income$8,070,0003,709
Total interest expense$3,131,0003,805
Net interest income$4,939,0003,606
Provision for loan and lease losses$224,0002,835
Total noninterest income$677,0004,230
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$486,0002,838
Trading account gains and fees$0475
Additional Noninterest Income$191,0005,424
Total noninterest expense$3,312,0004,042
Salaries and employee benefits$1,638,0003,951
Premises and equipment expense$394,0004,638
Additional noninterest expense$1,280,0003,832
Pre-tax net operating income$2,080,0003,314
Securities gains (losses)$-286,00012,100
Applicable income taxes$537,0003,836
Income before extraordinary items$1,257,0003,689
Extraordinary gains, net$0249
Net income$1,257,0003,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0003,482
Cash dividends$371,0003,936
Sale, conversion, retirement of capital stock, net$15,0001,042
Net operating income$1,457,2003,285
1993-12-31 (YTD Data)Rank
Total interest income$7,105,0004,258
Total interest expense$2,933,0004,192
Net interest income$4,172,0004,238
Provision for loan and lease losses$239,0003,549
Total noninterest income$686,0004,505
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$493,0002,834
Trading account gains and feesNANA
Additional Noninterest Income$193,0005,775
Total noninterest expense$3,050,0004,446
Salaries and employee benefits$1,533,0004,192
Premises and equipment expense$393,0004,785
Additional noninterest expense$1,124,0004,449
Pre-tax net operating income$1,569,0004,152
Securities gains (losses)$10,0005,473
Applicable income taxes$491,0004,255
Income before extraordinary items$1,088,0004,364
Extraordinary gains, net$03,149
Net income$1,088,0004,480
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$219,0002,962
Cash dividends$345,0004,044
Sale, conversion, retirement of capital stock, net$16,0001,105
Net operating income$1,081,1004,172
1992-12-31 (YTD Data)Rank
Total interest income$7,012,0004,818
Total interest expense$3,232,0004,861
Net interest income$3,780,0004,686
Provision for loan and lease losses$236,0004,790
Total noninterest income$570,0005,153
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$439,0003,198
Trading account gains and feesNANA
Additional Noninterest Income$131,0007,138
Total noninterest expense$2,782,0004,843
Salaries and employee benefits$1,370,0004,598
Premises and equipment expense$324,0005,670
Additional noninterest expense$1,088,0004,728
Pre-tax net operating income$1,332,0004,520
Securities gains (losses)$30,0004,989
Applicable income taxes$404,0004,753
Income before extraordinary items$958,0004,674
Extraordinary gains, net$01,422
Net income$958,0004,725
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$76,0006,591
Cash dividends$325,0003,812
Sale, conversion, retirement of capital stock, net$19,0001,018
Net operating income$937,0004,453

* 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.