Home > Hudson Valley Bank > Income and Expense

Hudson Valley Bank, Income and Expense

2015-03-31 (YTD Data)Rank
Total interest income$25,258,000287
Total interest expense$1,172,000593
Net interest income$24,086,000274
Provision for loan and lease losses$1,354,000180
Total noninterest income$2,409,000680
Gross Fiduciary activities income$748,000277
Service charges on deposit accounts$580,000550
Trading account gains and fees$0152
Additional Noninterest Income$1,081,000880
Total noninterest expense$19,473,000318
Salaries and employee benefits$11,322,000281
Premises and equipment expense$2,802,000255
Additional noninterest expense$5,349,000342
Pre-tax net operating income$5,668,000438
Securities gains (losses)$8,0001,548
Applicable income taxes$604,000893
Income before extraordinary items$5,072,000381
Extraordinary gains, net$013
Net income$5,072,000381
Minority interest net income$064
Net income of bank and minority interests.$5,072,000381
Net charge-offs$341,000492
Cash dividends$1,100,000603
Sale, conversion, retirement of capital stock, net$0697
Net operating income$5,064,880375
2014-12-31 (YTD Data)Rank
Total interest income$96,976,000285
Total interest expense$4,763,000598
Net interest income$92,213,000275
Provision for loan and lease losses$1,792,000523
Total noninterest income$14,164,000505
Gross Fiduciary activities income$3,681,000238
Service charges on deposit accounts$1,884,000732
Trading account gains and fees$0180
Additional Noninterest Income$8,599,000515
Total noninterest expense$92,487,000263
Salaries and employee benefits$52,722,000221
Premises and equipment expense$12,488,000217
Additional noninterest expense$27,277,000295
Pre-tax net operating income$12,098,000696
Securities gains (losses)$58,0001,635
Applicable income taxes$3,968,000590
Income before extraordinary items$8,188,000809
Extraordinary gains, net$017
Net income$8,188,000808
Minority interest net income$084
Net income of bank and minority interests.$8,188,000808
Net charge-offs$440,0001,613
Cash dividends$3,850,000762
Sale, conversion, retirement of capital stock, net$0862
Net operating income$8,149,140796
2014-09-30 (YTD Data)Rank
Total interest income$70,845,000288
Total interest expense$3,522,000621
Net interest income$67,323,000281
Provision for loan and lease losses$1,189,000574
Total noninterest income$12,118,000447
Gross Fiduciary activities income$2,785,000236
Service charges on deposit accounts$1,459,000697
Trading account gains and fees$0174
Additional Noninterest Income$7,874,000434
Total noninterest expense$68,002,000264
Salaries and employee benefits$38,250,000229
Premises and equipment expense$9,427,000213
Additional noninterest expense$20,325,000292
Pre-tax net operating income$10,250,000621
Securities gains (losses)$66,0001,268
Applicable income taxes$3,285,000555
Income before extraordinary items$7,031,000725
Extraordinary gains, net$015
Net income$7,031,000724
Minority interest net income$081
Net income of bank and minority interests.$7,031,000724
Net charge-offs$-543,0006,483
Cash dividends$3,846,000552
Sale, conversion, retirement of capital stock, net$0819
Net operating income$6,986,120712
2014-06-30 (YTD Data)Rank
Total interest income$46,053,000293
Total interest expense$2,287,000638
Net interest income$43,766,000286
Provision for loan and lease losses$538,000787
Total noninterest income$8,144,000435
Gross Fiduciary activities income$1,928,000237
Service charges on deposit accounts$991,000667
Trading account gains and fees$0172
Additional Noninterest Income$5,225,000427
Total noninterest expense$45,804,000258
Salaries and employee benefits$25,661,000228
Premises and equipment expense$6,274,000214
Additional noninterest expense$13,869,000287
Pre-tax net operating income$5,568,000738
Securities gains (losses)$38,0001,330
Applicable income taxes$1,776,000634
Income before extraordinary items$3,830,000853
Extraordinary gains, net$020
Net income$3,830,000853
Minority interest net income$080
Net income of bank and minority interests.$3,830,000853
Net charge-offs$-747,0006,596
Cash dividends$2,346,000572
Sale, conversion, retirement of capital stock, net$0794
Net operating income$3,804,160834
2014-03-31 (YTD Data)Rank
Total interest income$22,804,000296
Total interest expense$1,106,000671
Net interest income$21,698,000287
Provision for loan and lease losses$78,0001,786
Total noninterest income$4,269,000418
Gross Fiduciary activities income$1,098,000210
Service charges on deposit accounts$547,000606
Trading account gains and fees$0147
Additional Noninterest Income$2,624,000414
Total noninterest expense$23,694,000249
Salaries and employee benefits$13,004,000225
Premises and equipment expense$2,972,000227
Additional noninterest expense$7,718,000265
Pre-tax net operating income$2,195,000902
Securities gains (losses)$26,000872
Applicable income taxes$739,000702
Income before extraordinary items$1,482,0001,059
Extraordinary gains, net$016
Net income$1,482,0001,060
Minority interest net income$066
Net income of bank and minority interests.$1,482,0001,060
Net charge-offs$-836,0006,694
Cash dividends$1,175,000536
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,464,5801,050
2013-12-31 (YTD Data)Rank
Total interest income$89,506,000295
Total interest expense$5,646,000570
Net interest income$83,860,000287
Provision for loan and lease losses$2,476,000526
Total noninterest income$16,105,000484
Gross Fiduciary activities income$3,203,000247
Service charges on deposit accounts$2,138,000644
Trading account gains and fees$0184
Additional Noninterest Income$10,764,000452
Total noninterest expense$100,255,000236
Salaries and employee benefits$44,994,000260
Premises and equipment expense$12,450,000207
Additional noninterest expense$42,811,000217
Pre-tax net operating income$-2,766,0006,706
Securities gains (losses)$-1,240,0006,749
Applicable income taxes$-4,631,0006,763
Income before extraordinary items$625,0004,604
Extraordinary gains, net$029
Net income$625,0004,608
Minority interest net income$090
Net income of bank and minority interests.$625,0004,608
Net charge-offs$3,098,000528
Cash dividends$4,685,000603
Sale, conversion, retirement of capital stock, net$0924
Net operating income$1,418,6003,206
2013-09-30 (YTD Data)Rank
Total interest income$67,583,000296
Total interest expense$4,310,000569
Net interest income$63,273,000285
Provision for loan and lease losses$1,828,000537
Total noninterest income$12,364,000476
Gross Fiduciary activities income$2,433,000246
Service charges on deposit accounts$1,745,000586
Trading account gains and fees$0180
Additional Noninterest Income$8,186,000466
Total noninterest expense$61,032,000281
Salaries and employee benefits$33,540,000258
Premises and equipment expense$9,169,000210
Additional noninterest expense$18,323,000317
Pre-tax net operating income$12,777,000503
Securities gains (losses)$03,040
Applicable income taxes$3,474,000495
Income before extraordinary items$9,303,000556
Extraordinary gains, net$025
Net income$9,303,000556
Minority interest net income$084
Net income of bank and minority interests.$9,303,000558
Net charge-offs$2,577,000494
Cash dividends$3,500,000567
Sale, conversion, retirement of capital stock, net$0868
Net operating income$9,303,000547
2013-06-30 (YTD Data)Rank
Total interest income$45,196,000294
Total interest expense$2,913,000580
Net interest income$42,283,000284
Provision for loan and lease losses$1,061,000648
Total noninterest income$8,239,000486
Gross Fiduciary activities income$1,675,000240
Service charges on deposit accounts$1,200,000556
Trading account gains and fees$0157
Additional Noninterest Income$5,364,000477
Total noninterest expense$39,451,000291
Salaries and employee benefits$22,332,000262
Premises and equipment expense$6,109,000212
Additional noninterest expense$11,010,000340
Pre-tax net operating income$10,010,000441
Securities gains (losses)$02,791
Applicable income taxes$3,082,000416
Income before extraordinary items$6,928,000488
Extraordinary gains, net$022
Net income$6,928,000486
Minority interest net income$082
Net income of bank and minority interests.$6,928,000490
Net charge-offs$1,747,000506
Cash dividends$2,336,000554
Sale, conversion, retirement of capital stock, net$0838
Net operating income$6,928,000465
2013-03-31 (YTD Data)Rank
Total interest income$22,673,000298
Total interest expense$1,435,000607
Net interest income$21,238,000287
Provision for loan and lease losses$772,000498
Total noninterest income$4,429,000467
Gross Fiduciary activities income$989,000210
Service charges on deposit accounts$701,000491
Trading account gains and fees$0148
Additional Noninterest Income$2,739,000474
Total noninterest expense$19,603,000298
Salaries and employee benefits$11,251,000260
Premises and equipment expense$3,077,000214
Additional noninterest expense$5,275,000358
Pre-tax net operating income$5,292,000416
Securities gains (losses)$01,966
Applicable income taxes$1,730,000379
Income before extraordinary items$3,562,000470
Extraordinary gains, net$010
Net income$3,562,000470
Minority interest net income$076
Net income of bank and minority interests.$3,562,000471
Net charge-offs$1,296,000377
Cash dividends$1,167,000472
Sale, conversion, retirement of capital stock, net$0789
Net operating income$3,562,000454
2012-12-31 (YTD Data)Rank
Total interest income$109,936,000262
Total interest expense$6,723,000633
Net interest income$103,213,000240
Provision for loan and lease losses$8,507,000314
Total noninterest income$33,951,000296
Gross Fiduciary activities income$2,886,000246
Service charges on deposit accounts$2,570,000554
Trading account gains and fees$0166
Additional Noninterest Income$28,495,000246
Total noninterest expense$82,401,000282
Salaries and employee benefits$44,686,000252
Premises and equipment expense$12,796,000199
Additional noninterest expense$24,919,000334
Pre-tax net operating income$46,256,000227
Securities gains (losses)$-528,0007,012
Applicable income taxes$16,944,000194
Income before extraordinary items$28,784,000266
Extraordinary gains, net$029
Net income$28,784,000266
Minority interest net income$093
Net income of bank and minority interests.$28,784,000266
Net charge-offs$12,580,000265
Cash dividends$7,040,000416
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$29,121,920253
2012-09-30 (YTD Data)Rank
Total interest income$86,041,000255
Total interest expense$5,188,000647
Net interest income$80,853,000238
Provision for loan and lease losses$6,976,000308
Total noninterest income$29,710,000256
Gross Fiduciary activities income$2,240,000238
Service charges on deposit accounts$2,090,000527
Trading account gains and fees$0157
Additional Noninterest Income$25,380,000212
Total noninterest expense$61,863,000282
Salaries and employee benefits$33,451,000251
Premises and equipment expense$9,548,000203
Additional noninterest expense$18,864,000328
Pre-tax net operating income$41,724,000200
Securities gains (losses)$-528,0007,118
Applicable income taxes$15,386,000170
Income before extraordinary items$25,810,000233
Extraordinary gains, net$020
Net income$25,810,000232
Minority interest net income$086
Net income of bank and minority interests.$25,810,000233
Net charge-offs$9,554,000268
Cash dividends$3,517,000479
Sale, conversion, retirement of capital stock, net$0952
Net operating income$26,147,920225
2012-06-30 (YTD Data)Rank
Total interest income$60,350,000246
Total interest expense$3,595,000644
Net interest income$56,755,000228
Provision for loan and lease losses$3,253,000426
Total noninterest income$25,460,000209
Gross Fiduciary activities income$1,618,000229
Service charges on deposit accounts$1,417,000512
Trading account gains and fees$0153
Additional Noninterest Income$22,425,000166
Total noninterest expense$41,859,000275
Salaries and employee benefits$22,136,000249
Premises and equipment expense$6,459,000200
Additional noninterest expense$13,264,000316
Pre-tax net operating income$37,103,000175
Securities gains (losses)$-528,0007,194
Applicable income taxes$13,809,000152
Income before extraordinary items$22,766,000194
Extraordinary gains, net$019
Net income$22,766,000194
Minority interest net income$084
Net income of bank and minority interests.$22,766,000194
Net charge-offs$5,205,000333
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$23,103,920187
2012-03-31 (YTD Data)Rank
Total interest income$33,246,000225
Total interest expense$1,982,000597
Net interest income$31,264,000211
Provision for loan and lease losses$1,359,000484
Total noninterest income$20,767,000137
Gross Fiduciary activities income$900,000216
Service charges on deposit accounts$692,000523
Trading account gains and fees$0148
Additional Noninterest Income$19,175,000109
Total noninterest expense$20,901,000272
Salaries and employee benefits$10,799,000250
Premises and equipment expense$2,972,000217
Additional noninterest expense$7,130,000281
Pre-tax net operating income$29,771,000127
Securities gains (losses)$-478,0007,261
Applicable income taxes$11,406,000113
Income before extraordinary items$17,887,000149
Extraordinary gains, net$019
Net income$17,887,000150
Minority interest net income$078
Net income of bank and minority interests.$17,887,000150
Net charge-offs$188,0001,906
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$18,192,920146
2011-12-31 (YTD Data)Rank
Total interest income$128,531,000237
Total interest expense$10,758,000527
Net interest income$117,773,000217
Provision for loan and lease losses$64,154,00095
Total noninterest income$18,634,000392
Gross Fiduciary activities income$2,622,000221
Service charges on deposit accounts$2,976,000504
Trading account gains and fees$0146
Additional Noninterest Income$13,036,000355
Total noninterest expense$79,946,000281
Salaries and employee benefits$42,143,000238
Premises and equipment expense$13,099,000204
Additional noninterest expense$24,704,000333
Pre-tax net operating income$-7,693,0007,162
Securities gains (losses)$-346,0007,208
Applicable income taxes$-5,414,0007,318
Income before extraordinary items$-2,625,0006,912
Extraordinary gains, net$029
Net income$-2,625,0006,912
Minority interest net income$096
Net income of bank and minority interests.$-2,625,0006,912
Net charge-offs$72,418,00096
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$-2,403,5606,876
2011-09-30 (YTD Data)Rank
Total interest income$95,612,000237
Total interest expense$8,562,000513
Net interest income$87,050,000215
Provision for loan and lease losses$9,533,000337
Total noninterest income$14,539,000376
Gross Fiduciary activities income$2,032,000215
Service charges on deposit accounts$2,197,000517
Trading account gains and fees$0145
Additional Noninterest Income$10,310,000339
Total noninterest expense$60,925,000270
Salaries and employee benefits$33,348,000228
Premises and equipment expense$9,770,000201
Additional noninterest expense$17,807,000335
Pre-tax net operating income$31,131,000221
Securities gains (losses)$-315,0007,312
Applicable income taxes$10,398,000209
Income before extraordinary items$20,418,000248
Extraordinary gains, net$021
Net income$20,418,000249
Minority interest net income$087
Net income of bank and minority interests.$20,418,000249
Net charge-offs$6,332,000516
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$20,625,900241
2011-06-30 (YTD Data)Rank
Total interest income$63,045,000241
Total interest expense$6,014,000513
Net interest income$57,031,000224
Provision for loan and lease losses$6,997,000317
Total noninterest income$8,778,000415
Gross Fiduciary activities income$1,520,000202
Service charges on deposit accounts$1,496,000507
Trading account gains and fees$0153
Additional Noninterest Income$5,762,000383
Total noninterest expense$40,761,000275
Salaries and employee benefits$22,052,000229
Premises and equipment expense$6,523,000207
Additional noninterest expense$12,186,000331
Pre-tax net operating income$18,051,000237
Securities gains (losses)$-204,0007,381
Applicable income taxes$5,781,000229
Income before extraordinary items$12,066,000258
Extraordinary gains, net$015
Net income$12,066,000258
Minority interest net income$089
Net income of bank and minority interests.$12,066,000258
Net charge-offs$4,057,000554
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$12,204,720249
2011-03-31 (YTD Data)Rank
Total interest income$30,601,000250
Total interest expense$3,167,000507
Net interest income$27,434,000230
Provision for loan and lease losses$5,451,000225
Total noninterest income$4,939,000378
Gross Fiduciary activities income$937,000178
Service charges on deposit accounts$862,000434
Trading account gains and fees$0158
Additional Noninterest Income$3,140,000367
Total noninterest expense$20,065,000277
Salaries and employee benefits$10,807,000239
Premises and equipment expense$3,243,000209
Additional noninterest expense$6,015,000333
Pre-tax net operating income$6,857,000282
Securities gains (losses)$-161,0007,441
Applicable income taxes$1,961,000277
Income before extraordinary items$4,735,000308
Extraordinary gains, net$09
Net income$4,735,000308
Minority interest net income$086
Net income of bank and minority interests.$4,735,000308
Net charge-offs$4,113,000318
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$4,849,310296
2010-12-31 (YTD Data)Rank
Total interest income$128,256,000246
Total interest expense$17,684,000449
Net interest income$110,572,000227
Provision for loan and lease losses$46,527,000193
Total noninterest income$15,425,000471
Gross Fiduciary activities income$2,240,000237
Service charges on deposit accounts$3,327,000458
Trading account gains and fees$0175
Additional Noninterest Income$9,858,000457
Total noninterest expense$73,679,000295
Salaries and employee benefits$38,457,000249
Premises and equipment expense$11,521,000235
Additional noninterest expense$23,701,000354
Pre-tax net operating income$5,791,000898
Securities gains (losses)$-2,384,0007,577
Applicable income taxes$-1,407,0007,388
Income before extraordinary items$4,814,000920
Extraordinary gains, net$029
Net income$4,814,000921
Minority interest net income$0111
Net income of bank and minority interests.$4,814,000922
Net charge-offs$46,222,000182
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$7,198,000591
2010-09-30 (YTD Data)Rank
Total interest income$97,076,000245
Total interest expense$14,024,000440
Net interest income$83,052,000225
Provision for loan and lease losses$40,702,000167
Total noninterest income$11,006,000478
Gross Fiduciary activities income$1,708,000235
Service charges on deposit accounts$2,518,000457
Trading account gains and fees$0165
Additional Noninterest Income$6,780,000473
Total noninterest expense$54,627,000292
Salaries and employee benefits$28,822,000247
Premises and equipment expense$8,622,000236
Additional noninterest expense$17,183,000342
Pre-tax net operating income$-1,271,0006,875
Securities gains (losses)$-2,208,0007,696
Applicable income taxes$-1,248,0007,539
Income before extraordinary items$-2,231,0007,172
Extraordinary gains, net$023
Net income$-2,231,0007,171
Minority interest net income$0110
Net income of bank and minority interests.$-2,231,0007,172
Net charge-offs$42,460,000162
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-817,8806,773
2010-06-30 (YTD Data)Rank
Total interest income$65,556,000245
Total interest expense$9,739,000439
Net interest income$55,817,000225
Provision for loan and lease losses$34,130,000144
Total noninterest income$7,340,000471
Gross Fiduciary activities income$1,201,000229
Service charges on deposit accounts$1,691,000448
Trading account gains and fees$0152
Additional Noninterest Income$4,448,000458
Total noninterest expense$36,228,000293
Salaries and employee benefits$19,363,000243
Premises and equipment expense$5,687,000236
Additional noninterest expense$11,178,000349
Pre-tax net operating income$-7,201,0007,629
Securities gains (losses)$-2,208,0007,777
Applicable income taxes$-3,277,0007,742
Income before extraordinary items$-6,132,0007,624
Extraordinary gains, net$019
Net income$-6,132,0007,624
Minority interest net income$0105
Net income of bank and minority interests.$-6,132,0007,624
Net charge-offs$25,647,000171
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-4,696,8007,564
2010-03-31 (YTD Data)Rank
Total interest income$33,065,000251
Total interest expense$4,910,000461
Net interest income$28,155,000229
Provision for loan and lease losses$5,582,000341
Total noninterest income$4,348,000414
Gross Fiduciary activities income$737,000210
Service charges on deposit accounts$848,000443
Trading account gains and fees$0175
Additional Noninterest Income$2,763,000388
Total noninterest expense$18,179,000290
Salaries and employee benefits$9,865,000242
Premises and equipment expense$3,001,000228
Additional noninterest expense$5,313,000358
Pre-tax net operating income$8,742,000185
Securities gains (losses)$-1,705,0007,890
Applicable income taxes$2,089,000216
Income before extraordinary items$4,948,000226
Extraordinary gains, net$016
Net income$4,948,000227
Minority interest net income$091
Net income of bank and minority interests.$4,948,000228
Net charge-offs$4,863,000344
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$6,141,500189
2009-12-31 (YTD Data)Rank
Total interest income$129,774,000270
Total interest expense$21,521,000523
Net interest income$108,253,000221
Provision for loan and lease losses$22,818,000447
Total noninterest income$14,429,000491
Gross Fiduciary activities income$1,783,000269
Service charges on deposit accounts$2,944,000571
Trading account gains and fees$0211
Additional Noninterest Income$9,702,000456
Total noninterest expense$66,871,000342
Salaries and employee benefits$35,939,000265
Premises and equipment expense$10,918,000256
Additional noninterest expense$20,014,000437
Pre-tax net operating income$32,993,000154
Securities gains (losses)$-5,444,0007,899
Applicable income taxes$7,881,000193
Income before extraordinary items$19,668,000186
Extraordinary gains, net$034
Net income$19,667,000186
Minority interest net income$1,000113
Net income of bank and minority interests.$19,668,000187
Net charge-offs$7,070,000892
Cash dividends$24,354,00095
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$23,533,240159
2009-09-30 (YTD Data)Rank
Total interest income$97,220,000286
Total interest expense$16,529,000548
Net interest income$80,691,000230
Provision for loan and lease losses$15,817,000448
Total noninterest income$10,475,000510
Gross Fiduciary activities income$1,372,000263
Service charges on deposit accounts$2,056,000613
Trading account gains and fees$0212
Additional Noninterest Income$7,047,000469
Total noninterest expense$50,991,000336
Salaries and employee benefits$27,447,000268
Premises and equipment expense$8,063,000264
Additional noninterest expense$15,481,000418
Pre-tax net operating income$24,358,000167
Securities gains (losses)$-4,096,0007,992
Applicable income taxes$5,680,000207
Income before extraordinary items$14,582,000195
Extraordinary gains, net$027
Net income$14,582,000195
Minority interest net income$0118
Net income of bank and minority interests.$14,582,000195
Net charge-offs$3,728,0001,029
Cash dividends$24,347,00072
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$17,531,120170
2009-06-30 (YTD Data)Rank
Total interest income$65,046,000295
Total interest expense$11,500,000555
Net interest income$53,546,000232
Provision for loan and lease losses$13,366,000384
Total noninterest income$7,667,000480
Gross Fiduciary activities income$1,019,000245
Service charges on deposit accounts$1,343,000622
Trading account gains and fees$0193
Additional Noninterest Income$5,305,000438
Total noninterest expense$34,407,000332
Salaries and employee benefits$18,322,000272
Premises and equipment expense$5,150,000285
Additional noninterest expense$10,935,000404
Pre-tax net operating income$13,440,000180
Securities gains (losses)$-3,500,0008,101
Applicable income taxes$2,248,000313
Income before extraordinary items$7,692,000236
Extraordinary gains, net$021
Net income$7,692,000235
Minority interest net income$0112
Net income of bank and minority interests.$7,692,000235
Net charge-offs$2,089,0001,094
Cash dividends$20,180,00057
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$10,387,000177
2009-03-31 (YTD Data)Rank
Total interest income$32,934,000294
Total interest expense$5,999,000550
Net interest income$26,935,000234
Provision for loan and lease losses$2,365,000667
Total noninterest income$3,980,000440
Gross Fiduciary activities income$661,000213
Service charges on deposit accounts$668,000605
Trading account gains and fees$0171
Additional Noninterest Income$2,651,000411
Total noninterest expense$16,999,000318
Salaries and employee benefits$9,236,000267
Premises and equipment expense$2,580,000288
Additional noninterest expense$5,183,000373
Pre-tax net operating income$11,551,000133
Securities gains (losses)$-1,437,0008,152
Applicable income taxes$3,511,000135
Income before extraordinary items$6,603,000175
Extraordinary gains, net$015
Net income$6,603,000174
Minority interest net income$0102
Net income of bank and minority interests.$6,603,000176
Net charge-offs$774,0001,095
Cash dividends$14,950,00044
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$7,537,050146
2008-12-31 (YTD Data)Rank
Total interest income$132,873,000311
Total interest expense$28,653,000554
Net interest income$104,220,000241
Provision for loan and lease losses$9,524,000621
Total noninterest income$19,587,000358
Gross Fiduciary activities income$1,724,000291
Service charges on deposit accounts$2,575,000670
Trading account gains and fees$0154
Additional Noninterest Income$15,288,000284
Total noninterest expense$64,607,000335
Salaries and employee benefits$39,579,000243
Premises and equipment expense$9,842,000291
Additional noninterest expense$15,186,000478
Pre-tax net operating income$49,676,000139
Securities gains (losses)$-1,401,0007,810
Applicable income taxes$16,288,000135
Income before extraordinary items$31,987,000140
Extraordinary gains, net$039
Net income$31,987,000141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,616,000739
Cash dividends$28,208,000133
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$32,911,660150
2008-09-30 (YTD Data)Rank
Total interest income$98,990,000324
Total interest expense$22,091,000566
Net interest income$76,899,000257
Provision for loan and lease losses$2,574,000998
Total noninterest income$14,979,000379
Gross Fiduciary activities income$1,305,000297
Service charges on deposit accounts$1,919,000685
Trading account gains and fees$0148
Additional Noninterest Income$11,755,000298
Total noninterest expense$48,245,000326
Salaries and employee benefits$28,992,000257
Premises and equipment expense$6,641,000328
Additional noninterest expense$12,612,000414
Pre-tax net operating income$41,059,000159
Securities gains (losses)$-1,399,0007,983
Applicable income taxes$13,728,000143
Income before extraordinary items$25,932,000166
Extraordinary gains, net$031
Net income$25,932,000165
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,707,000684
Cash dividends$13,550,000186
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$26,841,350170
2008-06-30 (YTD Data)Rank
Total interest income$64,977,000338
Total interest expense$15,378,000558
Net interest income$49,599,000264
Provision for loan and lease losses$1,674,000881
Total noninterest income$9,569,000397
Gross Fiduciary activities income$936,000292
Service charges on deposit accounts$1,320,000650
Trading account gains and fees$0149
Additional Noninterest Income$7,313,000329
Total noninterest expense$31,521,000335
Salaries and employee benefits$18,786,000272
Premises and equipment expense$4,795,000307
Additional noninterest expense$7,940,000423
Pre-tax net operating income$25,973,000174
Securities gains (losses)$-333,0008,322
Applicable income taxes$8,781,000169
Income before extraordinary items$16,859,000193
Extraordinary gains, net$021
Net income$16,859,000192
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,526,000479
Cash dividends$8,800,000205
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$17,078,780189
2008-03-31 (YTD Data)Rank
Total interest income$33,145,000340
Total interest expense$8,715,000543
Net interest income$24,430,000267
Provision for loan and lease losses$200,0001,810
Total noninterest income$4,669,000416
Gross Fiduciary activities income$578,000255
Service charges on deposit accounts$619,000692
Trading account gains and fees$0158
Additional Noninterest Income$3,472,000346
Total noninterest expense$15,328,000338
Salaries and employee benefits$9,248,000282
Premises and equipment expense$2,262,000328
Additional noninterest expense$3,818,000421
Pre-tax net operating income$13,571,000177
Securities gains (losses)$-485,0008,453
Applicable income taxes$4,500,000174
Income before extraordinary items$8,586,000202
Extraordinary gains, net$015
Net income$8,586,000202
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$998,000464
Cash dividends$750,000963
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$8,906,100191
2007-12-31 (YTD Data)Rank
Total interest income$142,233,000331
Total interest expense$44,019,000468
Net interest income$98,214,000261
Provision for loan and lease losses$1,350,0001,144
Total noninterest income$15,128,000456
Gross Fiduciary activities income$1,438,000335
Service charges on deposit accounts$2,290,000770
Trading account gains and fees$0178
Additional Noninterest Income$11,400,000378
Total noninterest expense$58,934,000342
Salaries and employee benefits$34,918,000287
Premises and equipment expense$7,600,000361
Additional noninterest expense$16,416,000402
Pre-tax net operating income$53,058,000218
Securities gains (losses)$46,000828
Applicable income taxes$18,397,000212
Income before extraordinary items$34,707,000236
Extraordinary gains, net$039
Net income$34,707,000233
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$579,0001,518
Cash dividends$24,708,000215
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$34,677,100235
2007-09-30 (YTD Data)Rank
Total interest income$107,318,000330
Total interest expense$34,093,000459
Net interest income$73,225,000257
Provision for loan and lease losses$1,200,000765
Total noninterest income$11,036,000472
Gross Fiduciary activities income$1,118,000326
Service charges on deposit accounts$1,604,000820
Trading account gains and fees$0184
Additional Noninterest Income$8,314,000397
Total noninterest expense$43,245,000344
Salaries and employee benefits$25,601,000296
Premises and equipment expense$5,658,000364
Additional noninterest expense$11,986,000400
Pre-tax net operating income$39,816,000237
Securities gains (losses)$47,000634
Applicable income taxes$13,819,000228
Income before extraordinary items$26,044,000247
Extraordinary gains, net$033
Net income$26,044,000245
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$593,000949
Cash dividends$20,100,000199
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$26,013,450246
2007-06-30 (YTD Data)Rank
Total interest income$71,319,000341
Total interest expense$22,951,000461
Net interest income$48,368,000266
Provision for loan and lease losses$1,050,000563
Total noninterest income$7,067,000503
Gross Fiduciary activities income$809,000312
Service charges on deposit accounts$1,204,000724
Trading account gains and fees$0168
Additional Noninterest Income$5,054,000433
Total noninterest expense$28,561,000356
Salaries and employee benefits$16,908,000307
Premises and equipment expense$3,686,000388
Additional noninterest expense$7,967,000404
Pre-tax net operating income$25,824,000262
Securities gains (losses)$26,000656
Applicable income taxes$8,993,000248
Income before extraordinary items$16,857,000274
Extraordinary gains, net$029
Net income$16,857,000273
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$263,0001,113
Cash dividends$14,450,000207
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$16,840,100271
2007-03-31 (YTD Data)Rank
Total interest income$35,232,000344
Total interest expense$11,511,000454
Net interest income$23,721,000272
Provision for loan and lease losses$525,000503
Total noninterest income$3,524,000495
Gross Fiduciary activities income$470,000285
Service charges on deposit accounts$593,000713
Trading account gains and fees$0195
Additional Noninterest Income$2,461,000430
Total noninterest expense$13,894,000363
Salaries and employee benefits$8,312,000313
Premises and equipment expense$1,869,000379
Additional noninterest expense$3,713,000415
Pre-tax net operating income$12,826,000275
Securities gains (losses)$19,000575
Applicable income taxes$4,473,000262
Income before extraordinary items$8,372,000277
Extraordinary gains, net$022
Net income$8,372,000277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0002,158
Cash dividends$5,200,000235
Sale, conversion, retirement of capital stock, net$0885
Net operating income$8,359,650273
2006-12-31 (YTD Data)Rank
Total interest income$134,208,000328
Total interest expense$40,230,000449
Net interest income$93,978,000267
Provision for loan and lease losses$2,043,000554
Total noninterest income$12,238,000533
Gross Fiduciary activities income$1,180,000356
Service charges on deposit accounts$2,529,000697
Trading account gains and fees$0130
Additional Noninterest Income$8,529,000463
Total noninterest expense$50,769,000382
Salaries and employee benefits$30,150,000322
Premises and equipment expense$6,587,000399
Additional noninterest expense$14,032,000419
Pre-tax net operating income$53,404,000266
Securities gains (losses)$-10,0007,284
Applicable income taxes$18,326,000251
Income before extraordinary items$35,068,000272
Extraordinary gains, net$051
Net income$35,068,000270
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$232,0001,993
Cash dividends$32,955,000178
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$35,074,600270
2006-09-30 (YTD Data)Rank
Total interest income$98,163,000339
Total interest expense$28,575,000468
Net interest income$69,588,000285
Provision for loan and lease losses$1,541,000514
Total noninterest income$9,045,000551
Gross Fiduciary activities income$914,000358
Service charges on deposit accounts$1,913,000695
Trading account gains and fees$0126
Additional Noninterest Income$6,218,000487
Total noninterest expense$37,448,000393
Salaries and employee benefits$22,193,000336
Premises and equipment expense$4,726,000421
Additional noninterest expense$10,529,000434
Pre-tax net operating income$39,644,000289
Securities gains (losses)$-10,0007,588
Applicable income taxes$13,567,000274
Income before extraordinary items$26,067,000294
Extraordinary gains, net$045
Net income$26,067,000294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$146,0001,857
Cash dividends$28,400,000158
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$26,073,600292
2006-06-30 (YTD Data)Rank
Total interest income$63,865,000346
Total interest expense$17,844,000469
Net interest income$46,021,000292
Provision for loan and lease losses$1,043,000494
Total noninterest income$5,804,000565
Gross Fiduciary activities income$618,000360
Service charges on deposit accounts$1,165,000753
Trading account gains and fees$0126
Additional Noninterest Income$4,021,000493
Total noninterest expense$24,660,000401
Salaries and employee benefits$14,625,000347
Premises and equipment expense$3,107,000428
Additional noninterest expense$6,928,000436
Pre-tax net operating income$26,122,000291
Securities gains (losses)$-10,0007,862
Applicable income taxes$8,860,000287
Income before extraordinary items$17,252,000297
Extraordinary gains, net$039
Net income$17,252,000297
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$159,0001,281
Cash dividends$23,850,000132
Sale, conversion, retirement of capital stock, net$0887
Net operating income$17,258,600294
2006-03-31 (YTD Data)Rank
Total interest income$31,020,000348
Total interest expense$8,372,000468
Net interest income$22,648,000294
Provision for loan and lease losses$477,000504
Total noninterest income$2,810,000569
Gross Fiduciary activities income$361,000329
Service charges on deposit accounts$598,000701
Trading account gains and fees$0115
Additional Noninterest Income$1,851,000520
Total noninterest expense$12,449,000400
Salaries and employee benefits$7,271,000352
Premises and equipment expense$1,621,000406
Additional noninterest expense$3,557,000427
Pre-tax net operating income$12,532,000287
Securities gains (losses)$-11,0008,254
Applicable income taxes$4,189,000286
Income before extraordinary items$8,332,000296
Extraordinary gains, net$021
Net income$8,332,000295
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0003,919
Cash dividends$17,900,00089
Sale, conversion, retirement of capital stock, net$0648
Net operating income$8,339,370293
2005-12-31 (YTD Data)Rank
Total interest income$110,267,000339
Total interest expense$25,260,000474
Net interest income$85,007,000304
Provision for loan and lease losses$2,059,000533
Total noninterest income$9,402,000652
Gross Fiduciary activities income$1,065,000377
Service charges on deposit accounts$2,784,000610
Trading account gains and fees$0138
Additional Noninterest Income$5,553,000632
Total noninterest expense$43,755,000435
Salaries and employee benefits$25,126,000384
Premises and equipment expense$3,691,000671
Additional noninterest expense$14,938,000420
Pre-tax net operating income$48,595,000287
Securities gains (losses)$-1,160,0008,759
Applicable income taxes$16,037,000289
Income before extraordinary items$31,398,000294
Extraordinary gains, net$046
Net income$31,398,000295
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$335,0001,594
Cash dividends$14,255,000303
Sale, conversion, retirement of capital stock, net$0934
Net operating income$32,163,600290
2005-09-30 (YTD Data)Rank
Total interest income$80,125,000341
Total interest expense$17,888,000470
Net interest income$62,237,000306
Provision for loan and lease losses$1,521,000498
Total noninterest income$6,755,000672
Gross Fiduciary activities income$774,000378
Service charges on deposit accounts$1,944,000664
Trading account gains and fees$0126
Additional Noninterest Income$4,037,000645
Total noninterest expense$32,570,000432
Salaries and employee benefits$18,767,000380
Premises and equipment expense$4,394,000427
Additional noninterest expense$9,409,000457
Pre-tax net operating income$34,901,000299
Securities gains (losses)$02,317
Applicable income taxes$11,559,000302
Income before extraordinary items$23,342,000303
Extraordinary gains, net$035
Net income$23,342,000304
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0002,900
Cash dividends$11,050,000273
Sale, conversion, retirement of capital stock, net$0769
Net operating income$23,342,000297
2005-06-30 (YTD Data)Rank
Total interest income$51,769,000336
Total interest expense$11,301,000463
Net interest income$40,468,000306
Provision for loan and lease losses$1,009,000507
Total noninterest income$4,537,000662
Gross Fiduciary activities income$518,000382
Service charges on deposit accounts$1,308,000638
Trading account gains and fees$0116
Additional Noninterest Income$2,711,000639
Total noninterest expense$21,270,000437
Salaries and employee benefits$12,146,000388
Premises and equipment expense$2,912,000423
Additional noninterest expense$6,212,000459
Pre-tax net operating income$22,726,000298
Securities gains (losses)$02,146
Applicable income taxes$7,436,000302
Income before extraordinary items$15,290,000302
Extraordinary gains, net$030
Net income$15,290,000302
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0002,464
Cash dividends$7,650,000248
Sale, conversion, retirement of capital stock, net$0643
Net operating income$15,290,000294
2005-03-31 (YTD Data)Rank
Total interest income$25,046,000340
Total interest expense$5,367,000469
Net interest income$19,679,000312
Provision for loan and lease losses$488,000487
Total noninterest income$2,200,000661
Gross Fiduciary activities income$241,000399
Service charges on deposit accounts$730,000542
Trading account gains and fees$0115
Additional Noninterest Income$1,229,000687
Total noninterest expense$10,505,000440
Salaries and employee benefits$6,020,000381
Premises and equipment expense$1,419,000429
Additional noninterest expense$3,066,000459
Pre-tax net operating income$10,886,000303
Securities gains (losses)$01,685
Applicable income taxes$3,522,000309
Income before extraordinary items$7,364,000299
Extraordinary gains, net$024
Net income$7,364,000299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,435
Cash dividends$3,300,000241
Sale, conversion, retirement of capital stock, net$0491
Net operating income$7,364,000293
2004-12-31 (YTD Data)Rank
Total interest income$88,035,000353
Total interest expense$16,796,000501
Net interest income$71,239,000324
Provision for loan and lease losses$473,0002,059
Total noninterest income$5,782,000954
Gross Fiduciary activities income$810,000424
Service charges on deposit accounts$3,669,000489
Trading account gains and fees$0138
Additional Noninterest Income$1,303,0001,803
Total noninterest expense$36,555,000487
Salaries and employee benefits$20,893,000433
Premises and equipment expense$5,127,000455
Additional noninterest expense$10,535,000519
Pre-tax net operating income$39,993,000309
Securities gains (losses)$1,094,000266
Applicable income taxes$13,430,000307
Income before extraordinary items$27,657,000312
Extraordinary gains, net$034
Net income$27,657,000312
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0003,448
Cash dividends$10,105,000352
Sale, conversion, retirement of capital stock, net$0872
Net operating income$26,924,020307
2004-09-30 (YTD Data)Rank
Total interest income$64,553,000353
Total interest expense$12,095,000507
Net interest income$52,458,000326
Provision for loan and lease losses$473,0001,517
Total noninterest income$3,210,0001,236
Gross Fiduciary activities income$590,000430
Service charges on deposit accounts$2,349,000559
Trading account gains and fees$0134
Additional Noninterest Income$271,0003,922
Total noninterest expense$26,427,000496
Salaries and employee benefits$15,272,000446
Premises and equipment expense$3,789,000467
Additional noninterest expense$7,366,000556
Pre-tax net operating income$28,768,000316
Securities gains (losses)$1,094,000252
Applicable income taxes$9,556,000319
Income before extraordinary items$20,306,000314
Extraordinary gains, net$026
Net income$20,306,000314
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0004,471
Cash dividends$7,600,000337
Sale, conversion, retirement of capital stock, net$0738
Net operating income$19,562,080310
2004-06-30 (YTD Data)Rank
Total interest income$42,295,000355
Total interest expense$7,626,000525
Net interest income$34,669,000324
Provision for loan and lease losses$473,0001,061
Total noninterest income$1,334,0001,758
Gross Fiduciary activities income$373,000443
Service charges on deposit accounts$745,0001,187
Trading account gains and fees$0130
Additional Noninterest Income$216,0003,595
Total noninterest expense$17,381,000498
Salaries and employee benefits$10,008,000456
Premises and equipment expense$2,503,000472
Additional noninterest expense$4,870,000549
Pre-tax net operating income$18,149,000319
Securities gains (losses)$41,0001,579
Applicable income taxes$5,762,000341
Income before extraordinary items$12,428,000323
Extraordinary gains, net$021
Net income$12,428,000323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0003,087
Cash dividends$5,600,000302
Sale, conversion, retirement of capital stock, net$0638
Net operating income$12,400,120309
2004-03-31 (YTD Data)Rank
Total interest income$20,753,000365
Total interest expense$3,734,000541
Net interest income$17,019,000331
Provision for loan and lease losses$259,000925
Total noninterest income$678,0001,707
Gross Fiduciary activities income$176,000467
Service charges on deposit accounts$345,0001,248
Trading account gains and fees$0121
Additional Noninterest Income$157,0002,862
Total noninterest expense$8,811,000497
Salaries and employee benefits$5,203,000442
Premises and equipment expense$1,248,000483
Additional noninterest expense$2,360,000561
Pre-tax net operating income$8,627,000327
Securities gains (losses)$02,934
Applicable income taxes$2,641,000364
Income before extraordinary items$5,986,000337
Extraordinary gains, net$016
Net income$5,986,000338
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0002,675
Cash dividends$2,450,000324
Sale, conversion, retirement of capital stock, net$0464
Net operating income$5,986,000316
2003-12-31 (YTD Data)Rank
Total interest income$72,813,000411
Total interest expense$15,443,000579
Net interest income$57,370,000368
Provision for loan and lease losses$437,0002,420
Total noninterest income$6,911,000871
Gross Fiduciary activities income$612,000492
Service charges on deposit accounts$4,860,000354
Trading account gains and fees$0160
Additional Noninterest Income$1,439,0001,876
Total noninterest expense$33,149,000533
Salaries and employee benefits$19,032,000469
Premises and equipment expense$4,638,000504
Additional noninterest expense$9,479,000587
Pre-tax net operating income$30,695,000343
Securities gains (losses)$5,408,000153
Applicable income taxes$11,755,000328
Income before extraordinary items$24,348,000325
Extraordinary gains, net$054
Net income$24,348,000326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$506,0001,588
Cash dividends$8,706,000415
Sale, conversion, retirement of capital stock, net$0868
Net operating income$20,724,640348
2003-09-30 (YTD Data)Rank
Total interest income$53,173,000430
Total interest expense$11,754,000600
Net interest income$41,419,000391
Provision for loan and lease losses$394,0002,052
Total noninterest income$5,377,000881
Gross Fiduciary activities income$445,000513
Service charges on deposit accounts$3,458,000382
Trading account gains and fees$0153
Additional Noninterest Income$1,474,0001,549
Total noninterest expense$24,768,000550
Salaries and employee benefits$14,359,000478
Premises and equipment expense$3,456,000517
Additional noninterest expense$6,953,000592
Pre-tax net operating income$21,634,000369
Securities gains (losses)$5,431,000153
Applicable income taxes$8,782,000347
Income before extraordinary items$18,283,000342
Extraordinary gains, net$040
Net income$18,283,000343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$397,0001,403
Cash dividends$6,200,000415
Sale, conversion, retirement of capital stock, net$0722
Net operating income$14,589,920378
2003-06-30 (YTD Data)Rank
Total interest income$35,992,000430
Total interest expense$8,020,000607
Net interest income$27,972,000390
Provision for loan and lease losses$394,0001,429
Total noninterest income$3,055,000987
Gross Fiduciary activities income$292,000519
Service charges on deposit accounts$2,372,000365
Trading account gains and fees$0150
Additional Noninterest Income$391,0002,836
Total noninterest expense$16,238,000553
Salaries and employee benefits$9,230,000490
Premises and equipment expense$2,329,000519
Additional noninterest expense$4,679,000590
Pre-tax net operating income$14,395,000370
Securities gains (losses)$5,431,000135
Applicable income taxes$6,538,000323
Income before extraordinary items$13,288,000324
Extraordinary gains, net$030
Net income$13,288,000326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$365,0001,075
Cash dividends$4,000,000418
Sale, conversion, retirement of capital stock, net$0589
Net operating income$9,649,230374
2003-03-31 (YTD Data)Rank
Total interest income$18,278,000435
Total interest expense$3,993,000619
Net interest income$14,285,000390
Provision for loan and lease losses$367,000800
Total noninterest income$1,492,000976
Gross Fiduciary activities income$143,000538
Service charges on deposit accounts$1,178,000357
Trading account gains and fees$0134
Additional Noninterest Income$171,0002,981
Total noninterest expense$7,970,000558
Salaries and employee benefits$4,388,000513
Premises and equipment expense$1,182,000515
Additional noninterest expense$2,400,000582
Pre-tax net operating income$7,440,000354
Securities gains (losses)$3,967,00099
Applicable income taxes$3,731,000302
Income before extraordinary items$7,676,000296
Extraordinary gains, net$021
Net income$7,676,000296
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$368,000603
Cash dividends$2,500,000329
Sale, conversion, retirement of capital stock, net$0419
Net operating income$5,018,110354
2002-12-31 (YTD Data)Rank
Total interest income$81,276,000415
Total interest expense$20,341,000575
Net interest income$60,935,000372
Provision for loan and lease losses$3,902,000456
Total noninterest income$6,805,000811
Gross Fiduciary activities income$531,000554
Service charges on deposit accounts$4,475,000360
Trading account gains and fees$0153
Additional Noninterest Income$1,799,0001,429
Total noninterest expense$32,985,000525
Salaries and employee benefits$17,136,000499
Premises and equipment expense$4,343,000528
Additional noninterest expense$11,506,000503
Pre-tax net operating income$30,853,000341
Securities gains (losses)$53,0002,352
Applicable income taxes$9,161,000384
Income before extraordinary items$21,745,000347
Extraordinary gains, net$070
Net income$21,745,000347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$410,0001,902
Cash dividends$5,670,000565
Sale, conversion, retirement of capital stock, net$0862
Net operating income$21,707,900330
2001-12-31 (YTD Data)Rank
Total interest income$87,174,000433
Total interest expense$32,517,000535
Net interest income$54,657,000384
Provision for loan and lease losses$4,380,000390
Total noninterest income$5,170,000965
Gross Fiduciary activities income$330,000704
Service charges on deposit accounts$3,412,000442
Trading account gains and fees$0177
Additional Noninterest Income$1,428,0001,593
Total noninterest expense$26,656,000608
Salaries and employee benefits$15,262,000520
Premises and equipment expense$4,105,000540
Additional noninterest expense$7,289,000715
Pre-tax net operating income$28,791,000329
Securities gains (losses)$-180,0009,536
Applicable income taxes$9,495,000341
Income before extraordinary items$19,116,000337
Extraordinary gains, net$0105
Net income$19,116,000335
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,178,000838
Cash dividends$5,071,000605
Sale, conversion, retirement of capital stock, net$0922
Net operating income$19,236,600321
2000-12-31 (YTD Data)Rank
Total interest income$84,785,000470
Total interest expense$40,785,000492
Net interest income$44,000,000444
Provision for loan and lease losses$1,143,000957
Total noninterest income$3,985,0001,073
Gross Fiduciary activities income$277,000735
Service charges on deposit accounts$3,302,000406
Trading account gains and fees$0180
Additional Noninterest Income$406,0003,305
Total noninterest expense$25,203,000638
Salaries and employee benefits$14,862,000489
Premises and equipment expense$3,894,000569
Additional noninterest expense$6,447,000781
Pre-tax net operating income$21,639,000423
Securities gains (losses)$667,000213
Applicable income taxes$5,826,000494
Income before extraordinary items$16,480,000381
Extraordinary gains, net$038
Net income$16,480,000382
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$374,0001,556
Cash dividends$3,866,000780
Sale, conversion, retirement of capital stock, net$0969
Net operating income$15,986,420392
1999-12-31 (YTD Data)Rank
Total interest income$69,075,000539
Total interest expense$29,656,000564
Net interest income$39,419,000501
Provision for loan and lease losses$600,0001,498
Total noninterest income$3,189,0001,291
Gross Fiduciary activities income$198,000867
Service charges on deposit accounts$2,563,000529
Trading account gains and fees$0173
Additional Noninterest Income$428,0003,262
Total noninterest expense$23,344,000676
Salaries and employee benefits$12,925,000563
Premises and equipment expense$3,815,000583
Additional noninterest expense$6,604,000794
Pre-tax net operating income$18,664,000513
Securities gains (losses)$19,0001,429
Applicable income taxes$4,644,000632
Income before extraordinary items$14,039,000471
Extraordinary gains, net$035
Net income$14,039,000471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-344,00010,169
Cash dividends$4,900,000677
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$14,024,750464
1998-12-31 (YTD Data)Rank
Total interest income$61,082,000587
Total interest expense$27,622,000616
Net interest income$33,460,000553
Provision for loan and lease losses$-300,00010,391
Total noninterest income$2,791,0001,420
Gross Fiduciary activities income$122,000969
Service charges on deposit accounts$2,231,000557
Trading account gains and fees$0224
Additional Noninterest Income$438,0003,242
Total noninterest expense$21,104,000703
Salaries and employee benefits$11,445,000624
Premises and equipment expense$3,251,000654
Additional noninterest expense$6,408,000807
Pre-tax net operating income$15,447,000540
Securities gains (losses)$439,000600
Applicable income taxes$3,567,000754
Income before extraordinary items$12,319,000477
Extraordinary gains, net$032
Net income$12,319,000475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,185
Cash dividends$4,612,000680
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$11,976,580472
1997-12-31 (YTD Data)Rank
Total interest income$56,308,000634
Total interest expense$24,088,000696
Net interest income$32,220,000579
Provision for loan and lease losses$600,0001,510
Total noninterest income$2,983,0001,296
Gross Fiduciary activities income$89,0001,075
Service charges on deposit accounts$2,461,000537
Trading account gains and fees$0239
Additional Noninterest Income$433,0003,120
Total noninterest expense$20,038,000738
Salaries and employee benefits$10,791,000641
Premises and equipment expense$3,274,000637
Additional noninterest expense$5,973,000857
Pre-tax net operating income$14,565,000590
Securities gains (losses)$-104,00010,769
Applicable income taxes$3,516,000815
Income before extraordinary items$10,945,000544
Extraordinary gains, net$044
Net income$10,945,000544
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-374,00010,864
Cash dividends$7,540,000456
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$11,024,040521
1996-12-31 (YTD Data)Rank
Total interest income$46,207,000781
Total interest expense$17,826,000944
Net interest income$28,381,000686
Provision for loan and lease losses$-1,258,00011,414
Total noninterest income$2,591,0001,506
Gross Fiduciary activities income$54,0001,221
Service charges on deposit accounts$2,182,000630
Trading account gains and fees$0262
Additional Noninterest Income$355,0003,662
Total noninterest expense$18,873,000828
Salaries and employee benefits$10,410,000674
Premises and equipment expense$3,234,000693
Additional noninterest expense$5,229,0001,093
Pre-tax net operating income$13,357,000623
Securities gains (losses)$23,0001,905
Applicable income taxes$4,077,000688
Income before extraordinary items$9,303,000621
Extraordinary gains, net$053
Net income$9,303,000621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$365,0001,797
Cash dividends$4,625,000708
Sale, conversion, retirement of capital stock, net$0953
Net operating income$9,286,900613
1995-12-31 (YTD Data)Rank
Total interest income$38,293,000938
Total interest expense$12,275,0001,339
Net interest income$26,018,000753
Provision for loan and lease losses$125,0004,002
Total noninterest income$3,917,0001,133
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$2,033,000666
Trading account gains and fees$0522
Additional Noninterest Income$1,884,0001,171
Total noninterest expense$18,000,000869
Salaries and employee benefits$9,473,000744
Premises and equipment expense$3,272,000702
Additional noninterest expense$5,255,0001,081
Pre-tax net operating income$11,810,000723
Securities gains (losses)$77,0001,071
Applicable income taxes$3,219,000868
Income before extraordinary items$8,668,000674
Extraordinary gains, net$065
Net income$8,668,000674
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$295,0001,961
Cash dividends$1,926,0001,281
Sale, conversion, retirement of capital stock, net$0809
Net operating income$8,611,790673
1994-12-31 (YTD Data)Rank
Total interest income$34,351,000933
Total interest expense$8,911,0001,454
Net interest income$25,440,000760
Provision for loan and lease losses$36,0006,762
Total noninterest income$1,484,0002,320
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,148,0001,154
Trading account gains and fees$0475
Additional Noninterest Income$336,0003,820
Total noninterest expense$16,314,000942
Salaries and employee benefits$8,590,000803
Premises and equipment expense$2,941,000778
Additional noninterest expense$4,783,0001,220
Pre-tax net operating income$10,574,000757
Securities gains (losses)$-75,00011,346
Applicable income taxes$2,795,000928
Income before extraordinary items$7,704,000710
Extraordinary gains, net$0249
Net income$7,704,000711
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$243,0002,196
Cash dividends$1,200,0001,639
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$7,758,750715
1993-12-31 (YTD Data)Rank
Total interest income$31,773,0001,010
Total interest expense$8,329,0001,590
Net interest income$23,444,000810
Provision for loan and lease losses$1,452,0001,025
Total noninterest income$1,599,0002,318
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,272,0001,040
Trading account gains and fees$0532
Additional Noninterest Income$327,0004,259
Total noninterest expense$15,252,0001,034
Salaries and employee benefits$7,991,000862
Premises and equipment expense$2,775,000826
Additional noninterest expense$4,486,0001,387
Pre-tax net operating income$8,339,000880
Securities gains (losses)$7,0005,826
Applicable income taxes$2,413,0001,041
Income before extraordinary items$5,933,000891
Extraordinary gains, net$03,149
Net income$5,933,000924
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$328,0002,327
Cash dividends$1,550,0001,236
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$5,928,030840
1992-12-31 (YTD Data)Rank
Total interest income$30,743,0001,193
Total interest expense$9,855,0001,738
Net interest income$20,888,000907
Provision for loan and lease losses$2,040,0001,132
Total noninterest income$1,673,0002,201
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,430,000913
Trading account gains and fees$0504
Additional Noninterest Income$243,0005,059
Total noninterest expense$13,532,0001,169
Salaries and employee benefits$7,035,000972
Premises and equipment expense$2,543,000921
Additional noninterest expense$3,954,0001,601
Pre-tax net operating income$6,989,000931
Securities gains (losses)$62,0003,771
Applicable income taxes$1,946,0001,149
Income before extraordinary items$5,105,000934
Extraordinary gains, net$01,422
Net income$5,105,000937
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,234,0001,377
Cash dividends$3,100,000575
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$5,060,360854

* 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.