Home > The Commerce Bank of Washington > Income and Expense

The Commerce Bank of Washington, Income and Expense

2015-09-30 (YTD Data)Rank
Total interest income$22,851,000847
Total interest expense$126,0005,432
Net interest income$22,725,000742
Provision for loan and lease losses$-1,798,0006,208
Total noninterest income$2,350,0001,578
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$1,017,000948
Trading account gains and fees$28,000136
Additional Noninterest Income$1,305,0001,698
Total noninterest expense$10,893,0001,355
Salaries and employee benefits$9,181,000933
Premises and equipment expense$1,069,0001,613
Additional noninterest expense$643,0004,599
Pre-tax net operating income$15,980,000471
Securities gains (losses)$03,031
Applicable income taxes$5,521,000425
Income before extraordinary items$10,459,000540
Extraordinary gains, net$021
Net income$10,459,000539
Minority interest net income$078
Net income of bank and minority interests.$10,459,000540
Net charge-offs$-188,0005,950
Cash dividends$825,0001,800
Sale, conversion, retirement of capital stock, net$503,000245
Net operating income$10,459,000529
2015-06-30 (YTD Data)Rank
Total interest income$15,340,000838
Total interest expense$80,0005,526
Net interest income$15,260,000738
Provision for loan and lease losses$-637,0006,224
Total noninterest income$1,595,0001,552
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$677,000930
Trading account gains and fees$0157
Additional Noninterest Income$918,0001,646
Total noninterest expense$5,898,0001,644
Salaries and employee benefits$6,299,000910
Premises and equipment expense$724,0001,608
Additional noninterest expense$-1,125,0006,357
Pre-tax net operating income$11,594,000434
Securities gains (losses)$02,636
Applicable income taxes$4,040,000394
Income before extraordinary items$7,554,000501
Extraordinary gains, net$022
Net income$7,554,000499
Minority interest net income$075
Net income of bank and minority interests.$7,554,000501
Net charge-offs$-322,0006,150
Cash dividends$72,0003,336
Sale, conversion, retirement of capital stock, net$432,000211
Net operating income$7,554,000485
2015-03-31 (YTD Data)Rank
Total interest income$6,743,000957
Total interest expense$14,0006,182
Net interest income$6,729,000838
Provision for loan and lease losses$103,0001,413
Total noninterest income$595,0001,886
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$276,0001,089
Trading account gains and fees$0152
Additional Noninterest Income$319,0002,038
Total noninterest expense$6,580,000791
Salaries and employee benefits$2,389,0001,179
Premises and equipment expense$278,0002,076
Additional noninterest expense$3,913,000440
Pre-tax net operating income$641,0002,576
Securities gains (losses)$02,027
Applicable income taxes$207,0001,790
Income before extraordinary items$434,0002,983
Extraordinary gains, net$013
Net income$434,0002,986
Minority interest net income$064
Net income of bank and minority interests.$434,0002,986
Net charge-offs$03,288
Cash dividends$37,0002,665
Sale, conversion, retirement of capital stock, net$68,000314
Net operating income$434,0002,915
2014-12-31 (YTD Data)Rank
Total interest income$29,114,000863
Total interest expense$60,0006,278
Net interest income$29,054,000755
Provision for loan and lease losses$-636,0006,287
Total noninterest income$3,350,0001,442
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$1,105,0001,194
Trading account gains and fees$0180
Additional Noninterest Income$2,245,0001,344
Total noninterest expense$29,353,000701
Salaries and employee benefits$9,852,0001,105
Premises and equipment expense$1,132,0002,020
Additional noninterest expense$18,369,000394
Pre-tax net operating income$3,687,0001,955
Securities gains (losses)$-1,989,0006,485
Applicable income taxes$542,0002,117
Income before extraordinary items$1,156,0003,702
Extraordinary gains, net$017
Net income$1,156,0003,702
Minority interest net income$084
Net income of bank and minority interests.$1,156,0003,704
Net charge-offs$-717,0006,423
Cash dividends$1,245,0001,764
Sale, conversion, retirement of capital stock, net$665,000260
Net operating income$2,508,5202,255
2014-09-30 (YTD Data)Rank
Total interest income$22,188,000852
Total interest expense$45,0006,358
Net interest income$22,143,000745
Provision for loan and lease losses$-339,0006,340
Total noninterest income$2,474,0001,461
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$829,0001,201
Trading account gains and fees$0174
Additional Noninterest Income$1,645,0001,370
Total noninterest expense$13,986,0001,091
Salaries and employee benefits$7,648,0001,075
Premises and equipment expense$875,0001,988
Additional noninterest expense$5,463,000887
Pre-tax net operating income$10,970,000588
Securities gains (losses)$-1,989,0006,564
Applicable income taxes$3,114,000582
Income before extraordinary items$5,867,000850
Extraordinary gains, net$015
Net income$5,867,000849
Minority interest net income$081
Net income of bank and minority interests.$5,867,000849
Net charge-offs$-552,0006,485
Cash dividends$108,0003,417
Sale, conversion, retirement of capital stock, net$606,000205
Net operating income$7,159,850693
2014-06-30 (YTD Data)Rank
Total interest income$14,418,000865
Total interest expense$30,0006,419
Net interest income$14,388,000765
Provision for loan and lease losses$253,0001,435
Total noninterest income$1,733,0001,402
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$544,0001,194
Trading account gains and fees$0172
Additional Noninterest Income$1,189,0001,293
Total noninterest expense$9,407,0001,083
Salaries and employee benefits$5,319,0001,021
Premises and equipment expense$577,0002,023
Additional noninterest expense$3,511,000914
Pre-tax net operating income$6,461,000641
Securities gains (losses)$-1,989,0006,643
Applicable income taxes$1,551,000701
Income before extraordinary items$2,921,0001,101
Extraordinary gains, net$020
Net income$2,921,0001,102
Minority interest net income$080
Net income of bank and minority interests.$2,921,0001,102
Net charge-offs$778,000614
Cash dividends$72,0003,337
Sale, conversion, retirement of capital stock, net$509,000168
Net operating income$4,213,850752
2014-03-31 (YTD Data)Rank
Total interest income$7,071,000892
Total interest expense$16,0006,465
Net interest income$7,055,000776
Provision for loan and lease losses$669,000355
Total noninterest income$849,0001,394
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$267,0001,200
Trading account gains and fees$0147
Additional Noninterest Income$582,0001,270
Total noninterest expense$4,452,0001,141
Salaries and employee benefits$2,611,0001,045
Premises and equipment expense$305,0001,952
Additional noninterest expense$1,536,0001,056
Pre-tax net operating income$2,783,000723
Securities gains (losses)$-1,989,0006,722
Applicable income taxes$261,0001,472
Income before extraordinary items$533,0002,456
Extraordinary gains, net$016
Net income$533,0002,459
Minority interest net income$066
Net income of bank and minority interests.$533,0002,459
Net charge-offs$339,000659
Cash dividends$37,0002,646
Sale, conversion, retirement of capital stock, net$122,000232
Net operating income$1,865,630818
2013-12-31 (YTD Data)Rank
Total interest income$27,578,000918
Total interest expense$74,0006,553
Net interest income$27,504,000778
Provision for loan and lease losses$-1,808,0006,722
Total noninterest income$3,455,0001,466
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$1,160,0001,183
Trading account gains and fees$77,000146
Additional Noninterest Income$2,218,0001,406
Total noninterest expense$18,418,0001,109
Salaries and employee benefits$10,111,0001,074
Premises and equipment expense$1,208,0001,898
Additional noninterest expense$7,099,000954
Pre-tax net operating income$14,349,000569
Securities gains (losses)$-2,658,0006,778
Applicable income taxes$4,030,000530
Income before extraordinary items$7,661,000821
Extraordinary gains, net$029
Net income$7,661,000822
Minority interest net income$090
Net income of bank and minority interests.$7,661,000823
Net charge-offs$739,0001,575
Cash dividends$3,470,000778
Sale, conversion, retirement of capital stock, net$952,000217
Net operating income$9,415,280653
2013-09-30 (YTD Data)Rank
Total interest income$20,478,000935
Total interest expense$58,0006,620
Net interest income$20,420,000788
Provision for loan and lease losses$-1,102,0006,788
Total noninterest income$2,485,0001,533
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$885,0001,171
Trading account gains and fees$77,000135
Additional Noninterest Income$1,523,0001,536
Total noninterest expense$13,234,0001,166
Salaries and employee benefits$7,672,0001,058
Premises and equipment expense$915,0001,902
Additional noninterest expense$4,647,0001,083
Pre-tax net operating income$10,773,000571
Securities gains (losses)$-2,658,0006,871
Applicable income taxes$2,792,000584
Income before extraordinary items$5,323,000895
Extraordinary gains, net$025
Net income$5,323,000897
Minority interest net income$084
Net income of bank and minority interests.$5,323,000897
Net charge-offs$532,0001,533
Cash dividends$3,433,000573
Sale, conversion, retirement of capital stock, net$823,000177
Net operating income$7,077,280668
2013-06-30 (YTD Data)Rank
Total interest income$13,397,000946
Total interest expense$40,0006,665
Net interest income$13,357,000790
Provision for loan and lease losses$-773,0006,842
Total noninterest income$1,576,0001,584
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$581,0001,165
Trading account gains and fees$77,000113
Additional Noninterest Income$918,0001,685
Total noninterest expense$8,445,0001,211
Salaries and employee benefits$5,198,0001,042
Premises and equipment expense$604,0001,913
Additional noninterest expense$2,643,0001,254
Pre-tax net operating income$7,261,000558
Securities gains (losses)$02,791
Applicable income taxes$2,507,000463
Income before extraordinary items$4,754,000678
Extraordinary gains, net$022
Net income$4,754,000681
Minority interest net income$082
Net income of bank and minority interests.$4,754,000681
Net charge-offs$665,0001,032
Cash dividends$2,172,000582
Sale, conversion, retirement of capital stock, net$691,000139
Net operating income$4,754,000650
2013-03-31 (YTD Data)Rank
Total interest income$6,545,000969
Total interest expense$21,0006,728
Net interest income$6,524,000809
Provision for loan and lease losses$-866,0006,973
Total noninterest income$665,0001,808
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$277,0001,207
Trading account gains and fees$77,000103
Additional Noninterest Income$311,0002,171
Total noninterest expense$4,600,0001,122
Salaries and employee benefits$2,537,0001,079
Premises and equipment expense$299,0001,969
Additional noninterest expense$1,764,000955
Pre-tax net operating income$3,455,000580
Securities gains (losses)$01,966
Applicable income taxes$1,180,000479
Income before extraordinary items$2,275,000692
Extraordinary gains, net$010
Net income$2,275,000692
Minority interest net income$076
Net income of bank and minority interests.$2,275,000693
Net charge-offs$179,0001,449
Cash dividends$1,011,000520
Sale, conversion, retirement of capital stock, net$242,000142
Net operating income$2,275,000664
2012-12-31 (YTD Data)Rank
Total interest income$28,116,000931
Total interest expense$447,0005,330
Net interest income$27,669,000780
Provision for loan and lease losses$423,0002,947
Total noninterest income$3,478,0001,471
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$1,106,0001,290
Trading account gains and fees$23,000143
Additional Noninterest Income$2,349,0001,397
Total noninterest expense$18,753,0001,071
Salaries and employee benefits$9,852,0001,063
Premises and equipment expense$1,173,0001,988
Additional noninterest expense$7,728,000901
Pre-tax net operating income$11,971,000619
Securities gains (losses)$03,810
Applicable income taxes$4,054,000495
Income before extraordinary items$7,917,000761
Extraordinary gains, net$029
Net income$7,917,000758
Minority interest net income$093
Net income of bank and minority interests.$7,917,000761
Net charge-offs$2,655,000926
Cash dividends$1,932,0001,265
Sale, conversion, retirement of capital stock, net$-11,497,0007,075
Net operating income$7,917,000712
2012-09-30 (YTD Data)Rank
Total interest income$21,399,000940
Total interest expense$340,0005,438
Net interest income$21,059,000776
Provision for loan and lease losses$758,0001,766
Total noninterest income$2,642,0001,444
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$841,0001,276
Trading account gains and fees$23,000131
Additional Noninterest Income$1,778,0001,383
Total noninterest expense$13,923,0001,074
Salaries and employee benefits$7,481,0001,050
Premises and equipment expense$887,0001,995
Additional noninterest expense$5,555,000941
Pre-tax net operating income$9,020,000628
Securities gains (losses)$03,575
Applicable income taxes$3,055,000504
Income before extraordinary items$5,965,000770
Extraordinary gains, net$020
Net income$5,965,000768
Minority interest net income$086
Net income of bank and minority interests.$5,965,000770
Net charge-offs$2,488,000781
Cash dividends$1,188,0001,192
Sale, conversion, retirement of capital stock, net$-11,627,0007,173
Net operating income$5,965,000729
2012-06-30 (YTD Data)Rank
Total interest income$14,379,000940
Total interest expense$229,0005,515
Net interest income$14,150,000778
Provision for loan and lease losses$1,463,000820
Total noninterest income$1,725,0001,458
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$566,0001,252
Trading account gains and fees$0153
Additional Noninterest Income$1,159,0001,373
Total noninterest expense$8,968,0001,109
Salaries and employee benefits$5,014,0001,041
Premises and equipment expense$587,0002,003
Additional noninterest expense$3,367,0001,034
Pre-tax net operating income$5,444,000681
Securities gains (losses)$03,178
Applicable income taxes$1,832,000544
Income before extraordinary items$3,612,000838
Extraordinary gains, net$019
Net income$3,612,000838
Minority interest net income$084
Net income of bank and minority interests.$3,612,000838
Net charge-offs$1,519,000851
Cash dividends$588,0001,454
Sale, conversion, retirement of capital stock, net$-10,409,0007,239
Net operating income$3,612,000777
2012-03-31 (YTD Data)Rank
Total interest income$7,274,000930
Total interest expense$121,0005,510
Net interest income$7,153,000770
Provision for loan and lease losses$640,000883
Total noninterest income$839,0001,478
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$284,0001,238
Trading account gains and fees$0148
Additional Noninterest Income$555,0001,403
Total noninterest expense$4,695,0001,058
Salaries and employee benefits$2,571,0001,012
Premises and equipment expense$297,0001,995
Additional noninterest expense$1,827,000931
Pre-tax net operating income$2,657,000699
Securities gains (losses)$02,210
Applicable income taxes$890,000557
Income before extraordinary items$1,767,000851
Extraordinary gains, net$019
Net income$1,767,000850
Minority interest net income$078
Net income of bank and minority interests.$1,767,000852
Net charge-offs$1,741,000439
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$139,000194
Net operating income$1,767,000794
2011-12-31 (YTD Data)Rank
Total interest income$30,686,000912
Total interest expense$891,0004,668
Net interest income$29,795,000729
Provision for loan and lease losses$7,828,000525
Total noninterest income$3,219,0001,420
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$1,284,0001,141
Trading account gains and fees$0146
Additional Noninterest Income$1,935,0001,396
Total noninterest expense$16,572,0001,189
Salaries and employee benefits$8,776,0001,128
Premises and equipment expense$1,154,0002,132
Additional noninterest expense$6,642,0001,050
Pre-tax net operating income$8,614,000715
Securities gains (losses)$-4,826,0007,333
Applicable income taxes$1,129,0001,245
Income before extraordinary items$2,659,0001,784
Extraordinary gains, net$029
Net income$2,659,0001,785
Minority interest net income$096
Net income of bank and minority interests.$2,659,0001,785
Net charge-offs$9,019,000513
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$642,000380
Net operating income$6,037,200800
2011-09-30 (YTD Data)Rank
Total interest income$23,140,000924
Total interest expense$738,0004,555
Net interest income$22,402,000736
Provision for loan and lease losses$6,389,000505
Total noninterest income$2,355,0001,433
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$975,0001,133
Trading account gains and fees$0145
Additional Noninterest Income$1,380,0001,426
Total noninterest expense$12,607,0001,169
Salaries and employee benefits$6,933,0001,068
Premises and equipment expense$858,0002,161
Additional noninterest expense$4,816,0001,092
Pre-tax net operating income$5,761,000804
Securities gains (losses)$03,555
Applicable income taxes$1,866,000671
Income before extraordinary items$3,895,000996
Extraordinary gains, net$021
Net income$3,895,000995
Minority interest net income$087
Net income of bank and minority interests.$3,895,000996
Net charge-offs$7,237,000461
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$516,000341
Net operating income$3,895,000945
2011-06-30 (YTD Data)Rank
Total interest income$15,486,000933
Total interest expense$544,0004,435
Net interest income$14,942,000742
Provision for loan and lease losses$5,103,000425
Total noninterest income$1,544,0001,448
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$654,0001,123
Trading account gains and fees$0153
Additional Noninterest Income$890,0001,458
Total noninterest expense$8,367,0001,187
Salaries and employee benefits$4,767,0001,040
Premises and equipment expense$561,0002,222
Additional noninterest expense$3,039,0001,165
Pre-tax net operating income$3,016,0001,004
Securities gains (losses)$02,914
Applicable income taxes$952,000791
Income before extraordinary items$2,064,0001,204
Extraordinary gains, net$015
Net income$2,064,0001,204
Minority interest net income$089
Net income of bank and minority interests.$2,064,0001,204
Net charge-offs$4,881,000474
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$397,000249
Net operating income$2,064,0001,162
2011-03-31 (YTD Data)Rank
Total interest income$7,707,000947
Total interest expense$286,0004,429
Net interest income$7,421,000745
Provision for loan and lease losses$1,855,000550
Total noninterest income$686,0001,596
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$324,0001,120
Trading account gains and fees$0158
Additional Noninterest Income$362,0001,682
Total noninterest expense$4,471,0001,127
Salaries and employee benefits$2,328,0001,084
Premises and equipment expense$276,0002,286
Additional noninterest expense$1,867,000960
Pre-tax net operating income$1,781,000854
Securities gains (losses)$01,772
Applicable income taxes$570,000664
Income before extraordinary items$1,211,0001,002
Extraordinary gains, net$09
Net income$1,211,0001,002
Minority interest net income$086
Net income of bank and minority interests.$1,211,0001,002
Net charge-offs$2,645,000447
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$148,000227
Net operating income$1,211,000977
2010-12-31 (YTD Data)Rank
Total interest income$31,125,000977
Total interest expense$1,578,0004,143
Net interest income$29,547,000749
Provision for loan and lease losses$17,434,000422
Total noninterest income$3,015,0001,547
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,102,0001,379
Trading account gains and fees$0175
Additional Noninterest Income$1,913,0001,441
Total noninterest expense$15,482,0001,295
Salaries and employee benefits$7,723,0001,271
Premises and equipment expense$1,133,0002,231
Additional noninterest expense$6,626,0001,114
Pre-tax net operating income$-354,0006,159
Securities gains (losses)$-692,0007,469
Applicable income taxes$-558,0007,195
Income before extraordinary items$-488,0006,362
Extraordinary gains, net$029
Net income$-488,0006,363
Minority interest net income$0111
Net income of bank and minority interests.$-488,0006,363
Net charge-offs$15,683,000420
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$384,000507
Net operating income$-45,1205,922
2010-09-30 (YTD Data)Rank
Total interest income$23,273,0001,001
Total interest expense$1,264,0004,123
Net interest income$22,009,000750
Provision for loan and lease losses$11,791,000436
Total noninterest income$1,957,0001,717
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$794,0001,476
Trading account gains and fees$0165
Additional Noninterest Income$1,163,0001,628
Total noninterest expense$11,910,0001,252
Salaries and employee benefits$6,307,0001,163
Premises and equipment expense$856,0002,249
Additional noninterest expense$4,747,0001,145
Pre-tax net operating income$265,0004,994
Securities gains (losses)$-297,0007,539
Applicable income taxes$-158,0007,151
Income before extraordinary items$126,0005,620
Extraordinary gains, net$023
Net income$126,0005,621
Minority interest net income$0110
Net income of bank and minority interests.$126,0005,621
Net charge-offs$14,542,000329
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$382,000415
Net operating income$316,0804,599
2010-06-30 (YTD Data)Rank
Total interest income$15,597,0001,007
Total interest expense$911,0004,039
Net interest income$14,686,000746
Provision for loan and lease losses$6,671,000499
Total noninterest income$1,150,0001,831
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$493,0001,585
Trading account gains and fees$0152
Additional Noninterest Income$657,0001,752
Total noninterest expense$8,531,0001,165
Salaries and employee benefits$4,399,0001,116
Premises and equipment expense$569,0002,268
Additional noninterest expense$3,563,000993
Pre-tax net operating income$634,0003,204
Securities gains (losses)$03,184
Applicable income taxes$121,0002,616
Income before extraordinary items$513,0003,365
Extraordinary gains, net$019
Net income$513,0003,362
Minority interest net income$0105
Net income of bank and minority interests.$513,0003,364
Net charge-offs$8,809,000368
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$232,000357
Net operating income$513,0003,256
2010-03-31 (YTD Data)Rank
Total interest income$7,774,0001,032
Total interest expense$493,0003,974
Net interest income$7,281,000759
Provision for loan and lease losses$2,890,000570
Total noninterest income$679,0001,632
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$267,0001,467
Trading account gains and fees$0175
Additional Noninterest Income$412,0001,480
Total noninterest expense$4,251,0001,188
Salaries and employee benefits$2,265,0001,096
Premises and equipment expense$281,0002,346
Additional noninterest expense$1,705,0001,028
Pre-tax net operating income$819,0001,589
Securities gains (losses)$02,284
Applicable income taxes$235,0001,265
Income before extraordinary items$584,0001,868
Extraordinary gains, net$016
Net income$584,0001,866
Minority interest net income$091
Net income of bank and minority interests.$584,0001,868
Net charge-offs$2,633,000540
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$133,000270
Net operating income$584,0001,791
2009-12-31 (YTD Data)Rank
Total interest income$34,956,000965
Total interest expense$3,240,0003,225
Net interest income$31,716,000671
Provision for loan and lease losses$22,545,000450
Total noninterest income$9,761,000651
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$1,035,0001,629
Trading account gains and fees$21,000185
Additional Noninterest Income$8,705,000489
Total noninterest expense$15,921,0001,298
Salaries and employee benefits$8,971,0001,096
Premises and equipment expense$1,130,0002,333
Additional noninterest expense$5,820,0001,292
Pre-tax net operating income$3,011,0001,323
Securities gains (losses)$-1,049,0007,718
Applicable income taxes$408,0001,742
Income before extraordinary items$1,554,0002,058
Extraordinary gains, net$034
Net income$1,554,0002,054
Minority interest net income$0115
Net income of bank and minority interests.$1,554,0002,056
Net charge-offs$15,292,000496
Cash dividends$2,000,000905
Sale, conversion, retirement of capital stock, net$15,430,00058
Net operating income$2,382,7101,378
2009-09-30 (YTD Data)Rank
Total interest income$26,740,000964
Total interest expense$2,596,0003,205
Net interest income$24,144,000667
Provision for loan and lease losses$18,418,000412
Total noninterest income$8,280,000607
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$772,0001,642
Trading account gains and fees$21,000182
Additional Noninterest Income$7,487,000449
Total noninterest expense$12,091,0001,276
Salaries and employee benefits$6,842,0001,088
Premises and equipment expense$854,0002,343
Additional noninterest expense$4,395,0001,263
Pre-tax net operating income$1,915,0001,683
Securities gains (losses)$-228,0007,610
Applicable income taxes$382,0001,677
Income before extraordinary items$1,305,0002,034
Extraordinary gains, net$027
Net income$1,305,0002,033
Minority interest net income$0118
Net income of bank and minority interests.$1,305,0002,034
Net charge-offs$8,956,000547
Cash dividends$2,000,000630
Sale, conversion, retirement of capital stock, net$15,374,00048
Net operating income$1,480,5601,754
2009-06-30 (YTD Data)Rank
Total interest income$18,031,000972
Total interest expense$1,771,0003,275
Net interest income$16,260,000661
Provision for loan and lease losses$7,227,000575
Total noninterest income$3,893,000790
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$497,0001,674
Trading account gains and fees$0193
Additional Noninterest Income$3,396,000588
Total noninterest expense$8,305,0001,259
Salaries and employee benefits$4,679,0001,079
Premises and equipment expense$566,0002,374
Additional noninterest expense$3,060,0001,238
Pre-tax net operating income$4,621,000483
Securities gains (losses)$03,136
Applicable income taxes$1,475,000429
Income before extraordinary items$3,146,000575
Extraordinary gains, net$021
Net income$3,146,000573
Minority interest net income$0112
Net income of bank and minority interests.$3,146,000575
Net charge-offs$2,022,0001,121
Cash dividends$2,000,000443
Sale, conversion, retirement of capital stock, net$231,000452
Net operating income$3,146,000556
2009-03-31 (YTD Data)Rank
Total interest income$9,093,000978
Total interest expense$910,0003,303
Net interest income$8,183,000651
Provision for loan and lease losses$2,234,000697
Total noninterest income$1,257,0001,068
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$231,0001,751
Trading account gains and fees$0171
Additional Noninterest Income$1,026,000834
Total noninterest expense$4,340,0001,154
Salaries and employee benefits$2,461,0001,030
Premises and equipment expense$287,0002,384
Additional noninterest expense$1,592,0001,060
Pre-tax net operating income$2,866,000420
Securities gains (losses)$02,434
Applicable income taxes$932,000368
Income before extraordinary items$1,934,000515
Extraordinary gains, net$015
Net income$1,934,000515
Minority interest net income$0102
Net income of bank and minority interests.$1,934,000518
Net charge-offs$348,0001,655
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$171,000289
Net operating income$1,934,000477
2008-12-31 (YTD Data)Rank
Total interest income$46,226,000805
Total interest expense$12,729,0001,285
Net interest income$33,497,000649
Provision for loan and lease losses$1,131,0002,527
Total noninterest income$4,721,0001,112
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$753,0002,220
Trading account gains and fees$0154
Additional Noninterest Income$3,968,000773
Total noninterest expense$14,766,0001,317
Salaries and employee benefits$8,808,0001,123
Premises and equipment expense$835,0003,071
Additional noninterest expense$5,123,0001,238
Pre-tax net operating income$22,321,000257
Securities gains (losses)$-1,316,0007,798
Applicable income taxes$7,012,000244
Income before extraordinary items$13,993,000290
Extraordinary gains, net$039
Net income$13,993,000290
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-161,0008,254
Cash dividends$8,000,000361
Sale, conversion, retirement of capital stock, net$625,000501
Net operating income$14,874,720282
2008-09-30 (YTD Data)Rank
Total interest income$35,377,000805
Total interest expense$10,766,0001,174
Net interest income$24,611,000683
Provision for loan and lease losses$645,0002,370
Total noninterest income$2,133,0001,697
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$523,0002,367
Trading account gains and fees$0148
Additional Noninterest Income$1,610,0001,293
Total noninterest expense$10,838,0001,327
Salaries and employee benefits$6,507,0001,165
Premises and equipment expense$559,0003,373
Additional noninterest expense$3,772,0001,217
Pre-tax net operating income$15,261,000347
Securities gains (losses)$7,0002,502
Applicable income taxes$5,078,000318
Income before extraordinary items$10,190,000361
Extraordinary gains, net$031
Net income$10,190,000360
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-37,0008,158
Cash dividends$6,000,000376
Sale, conversion, retirement of capital stock, net$457,000400
Net operating income$10,185,310376
2008-06-30 (YTD Data)Rank
Total interest income$24,423,000792
Total interest expense$8,047,0001,086
Net interest income$16,376,000676
Provision for loan and lease losses$410,0002,133
Total noninterest income$1,418,0001,722
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$374,0002,237
Trading account gains and fees$0149
Additional Noninterest Income$1,044,0001,357
Total noninterest expense$7,156,0001,340
Salaries and employee benefits$4,195,0001,229
Premises and equipment expense$369,0003,427
Additional noninterest expense$2,592,0001,148
Pre-tax net operating income$10,228,000360
Securities gains (losses)$7,0002,608
Applicable income taxes$3,398,000356
Income before extraordinary items$6,837,000401
Extraordinary gains, net$021
Net income$6,837,000400
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-19,0008,039
Cash dividends$4,000,000406
Sale, conversion, retirement of capital stock, net$289,000346
Net operating income$6,832,310395
2008-03-31 (YTD Data)Rank
Total interest income$13,129,000764
Total interest expense$4,811,000954
Net interest income$8,318,000661
Provision for loan and lease losses$340,0001,271
Total noninterest income$649,0001,842
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$178,0002,282
Trading account gains and fees$0158
Additional Noninterest Income$471,0001,476
Total noninterest expense$3,710,0001,302
Salaries and employee benefits$2,212,0001,162
Premises and equipment expense$185,0003,427
Additional noninterest expense$1,313,0001,100
Pre-tax net operating income$4,917,000411
Securities gains (losses)$02,688
Applicable income taxes$1,622,000403
Income before extraordinary items$3,295,000453
Extraordinary gains, net$015
Net income$3,295,000454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0007,902
Cash dividends$2,000,000415
Sale, conversion, retirement of capital stock, net$177,000227
Net operating income$3,295,000436
2007-12-31 (YTD Data)Rank
Total interest income$54,803,000753
Total interest expense$20,030,000980
Net interest income$34,773,000645
Provision for loan and lease losses$275,0003,345
Total noninterest income$2,758,0001,744
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$340,0003,840
Trading account gains and fees$0178
Additional Noninterest Income$2,418,0001,193
Total noninterest expense$14,376,0001,289
Salaries and employee benefits$9,180,0001,090
Premises and equipment expense$742,0003,280
Additional noninterest expense$4,454,0001,264
Pre-tax net operating income$22,880,000420
Securities gains (losses)$02,146
Applicable income taxes$7,495,000409
Income before extraordinary items$15,385,000443
Extraordinary gains, net$039
Net income$15,385,000440
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-115,0008,403
Cash dividends$8,000,000497
Sale, conversion, retirement of capital stock, net$976,000436
Net operating income$15,385,000438
2007-09-30 (YTD Data)Rank
Total interest income$40,172,000781
Total interest expense$14,539,0001,012
Net interest income$25,633,000654
Provision for loan and lease losses$175,0003,251
Total noninterest income$1,933,0001,832
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$244,0003,912
Trading account gains and fees$0184
Additional Noninterest Income$1,689,0001,274
Total noninterest expense$10,957,0001,265
Salaries and employee benefits$7,091,0001,062
Premises and equipment expense$557,0003,260
Additional noninterest expense$3,309,0001,241
Pre-tax net operating income$16,434,000463
Securities gains (losses)$01,655
Applicable income taxes$5,370,000451
Income before extraordinary items$11,064,000496
Extraordinary gains, net$033
Net income$11,064,000495
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-105,0008,392
Cash dividends$6,000,000481
Sale, conversion, retirement of capital stock, net$702,000359
Net operating income$11,064,000488
2007-06-30 (YTD Data)Rank
Total interest income$25,518,000829
Total interest expense$9,046,0001,083
Net interest income$16,472,000694
Provision for loan and lease losses$-25,0008,396
Total noninterest income$1,234,0001,917
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$164,0003,909
Trading account gains and fees$0168
Additional Noninterest Income$1,070,0001,338
Total noninterest expense$7,214,0001,295
Salaries and employee benefits$4,632,0001,099
Premises and equipment expense$364,0003,335
Additional noninterest expense$2,218,0001,244
Pre-tax net operating income$10,517,000512
Securities gains (losses)$01,444
Applicable income taxes$3,442,000496
Income before extraordinary items$7,075,000544
Extraordinary gains, net$029
Net income$7,075,000543
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-100,0008,439
Cash dividends$4,000,000501
Sale, conversion, retirement of capital stock, net$564,000284
Net operating income$7,075,000532
2007-03-31 (YTD Data)Rank
Total interest income$12,324,000846
Total interest expense$4,203,0001,160
Net interest income$8,121,000692
Provision for loan and lease losses$05,779
Total noninterest income$554,0002,068
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$83,0003,831
Trading account gains and fees$0195
Additional Noninterest Income$471,0001,426
Total noninterest expense$3,656,0001,275
Salaries and employee benefits$2,457,0001,040
Premises and equipment expense$175,0003,465
Additional noninterest expense$1,024,0001,313
Pre-tax net operating income$5,019,000522
Securities gains (losses)$01,187
Applicable income taxes$1,652,000506
Income before extraordinary items$3,367,000562
Extraordinary gains, net$022
Net income$3,367,000562
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-30,0008,267
Cash dividends$2,000,000446
Sale, conversion, retirement of capital stock, net$405,000187
Net operating income$3,367,000548
2006-12-31 (YTD Data)Rank
Total interest income$49,436,000777
Total interest expense$16,158,0001,028
Net interest income$33,278,000666
Provision for loan and lease losses$450,0002,064
Total noninterest income$2,370,0001,959
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$373,0003,671
Trading account gains and fees$0130
Additional Noninterest Income$1,997,0001,358
Total noninterest expense$13,938,0001,285
Salaries and employee benefits$9,267,0001,048
Premises and equipment expense$749,0003,160
Additional noninterest expense$3,922,0001,357
Pre-tax net operating income$21,260,000513
Securities gains (losses)$01,687
Applicable income taxes$6,968,000502
Income before extraordinary items$14,292,000550
Extraordinary gains, net$051
Net income$14,292,000549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$212,0002,107
Cash dividends$10,000,000378
Sale, conversion, retirement of capital stock, net$625,000558
Net operating income$14,292,000543
2006-09-30 (YTD Data)Rank
Total interest income$36,261,000790
Total interest expense$11,653,0001,038
Net interest income$24,608,000691
Provision for loan and lease losses$600,0001,201
Total noninterest income$1,769,0001,973
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$301,0003,568
Trading account gains and fees$0126
Additional Noninterest Income$1,468,0001,379
Total noninterest expense$10,262,0001,316
Salaries and employee benefits$6,886,0001,063
Premises and equipment expense$576,0003,103
Additional noninterest expense$2,800,0001,415
Pre-tax net operating income$15,515,000545
Securities gains (losses)$01,388
Applicable income taxes$5,035,000541
Income before extraordinary items$10,480,000573
Extraordinary gains, net$045
Net income$10,480,000573
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$615,000682
Cash dividends$8,000,000356
Sale, conversion, retirement of capital stock, net$476,000464
Net operating income$10,480,000563
2006-06-30 (YTD Data)Rank
Total interest income$23,841,000783
Total interest expense$7,307,0001,045
Net interest income$16,534,000693
Provision for loan and lease losses$400,0001,166
Total noninterest income$1,183,0001,981
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$219,0003,345
Trading account gains and fees$0126
Additional Noninterest Income$964,0001,389
Total noninterest expense$6,855,0001,326
Salaries and employee benefits$4,550,0001,077
Premises and equipment expense$425,0002,844
Additional noninterest expense$1,880,0001,423
Pre-tax net operating income$10,462,000543
Securities gains (losses)$01,185
Applicable income taxes$3,428,000531
Income before extraordinary items$7,034,000577
Extraordinary gains, net$039
Net income$7,034,000575
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$637,000479
Cash dividends$4,000,000448
Sale, conversion, retirement of capital stock, net$326,000373
Net operating income$7,034,000561
2006-03-31 (YTD Data)Rank
Total interest income$11,978,000763
Total interest expense$3,435,0001,057
Net interest income$8,543,000668
Provision for loan and lease losses$550,000441
Total noninterest income$555,0002,046
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$122,0003,048
Trading account gains and fees$0115
Additional Noninterest Income$433,0001,492
Total noninterest expense$3,436,0001,327
Salaries and employee benefits$2,332,0001,053
Premises and equipment expense$211,0002,882
Additional noninterest expense$893,0001,476
Pre-tax net operating income$5,112,000544
Securities gains (losses)$0955
Applicable income taxes$1,654,000542
Income before extraordinary items$3,458,000583
Extraordinary gains, net$021
Net income$3,458,000582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$687,000263
Cash dividends$2,000,000412
Sale, conversion, retirement of capital stock, net$171,000255
Net operating income$3,458,000570
2005-12-31 (YTD Data)Rank
Total interest income$39,521,000824
Total interest expense$10,312,0001,093
Net interest income$29,209,000720
Provision for loan and lease losses$1,000,0001,040
Total noninterest income$2,096,0002,140
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$431,0003,381
Trading account gains and fees$0138
Additional Noninterest Income$1,665,0001,539
Total noninterest expense$12,716,0001,353
Salaries and employee benefits$7,898,0001,170
Premises and equipment expense$869,0002,675
Additional noninterest expense$3,949,0001,303
Pre-tax net operating income$17,589,000591
Securities gains (losses)$1,0002,117
Applicable income taxes$5,481,000603
Income before extraordinary items$12,109,000611
Extraordinary gains, net$046
Net income$12,109,000612
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$942,000706
Cash dividends$7,500,000474
Sale, conversion, retirement of capital stock, net$0934
Net operating income$12,108,310600
2005-09-30 (YTD Data)Rank
Total interest income$28,437,000837
Total interest expense$7,095,0001,121
Net interest income$21,342,000722
Provision for loan and lease losses$900,000826
Total noninterest income$1,555,0002,147
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$335,0003,300
Trading account gains and fees$0126
Additional Noninterest Income$1,220,0001,569
Total noninterest expense$9,222,0001,379
Salaries and employee benefits$5,677,0001,212
Premises and equipment expense$655,0002,654
Additional noninterest expense$2,890,0001,318
Pre-tax net operating income$12,775,000604
Securities gains (losses)$1,0002,135
Applicable income taxes$3,950,000625
Income before extraordinary items$8,826,000632
Extraordinary gains, net$035
Net income$8,826,000632
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$961,000506
Cash dividends$5,500,000436
Sale, conversion, retirement of capital stock, net$0769
Net operating income$8,825,310617
2005-06-30 (YTD Data)Rank
Total interest income$18,215,000845
Total interest expense$4,238,0001,175
Net interest income$13,977,000733
Provision for loan and lease losses$600,000816
Total noninterest income$1,020,0002,145
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$233,0003,180
Trading account gains and fees$0116
Additional Noninterest Income$787,0001,597
Total noninterest expense$6,208,0001,367
Salaries and employee benefits$3,818,0001,196
Premises and equipment expense$446,0002,587
Additional noninterest expense$1,944,0001,281
Pre-tax net operating income$8,189,000609
Securities gains (losses)$02,146
Applicable income taxes$2,512,000642
Income before extraordinary items$5,677,000638
Extraordinary gains, net$030
Net income$5,677,000638
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$422,000686
Cash dividends$3,500,000439
Sale, conversion, retirement of capital stock, net$0643
Net operating income$5,677,000620
2005-03-31 (YTD Data)Rank
Total interest income$8,619,000884
Total interest expense$1,836,0001,298
Net interest income$6,783,000752
Provision for loan and lease losses$300,000755
Total noninterest income$368,0002,641
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$104,0003,348
Trading account gains and fees$0115
Additional Noninterest Income$264,0002,066
Total noninterest expense$3,065,0001,380
Salaries and employee benefits$1,945,0001,177
Premises and equipment expense$222,0002,619
Additional noninterest expense$898,0001,386
Pre-tax net operating income$3,786,000656
Securities gains (losses)$01,685
Applicable income taxes$1,140,000685
Income before extraordinary items$2,646,000671
Extraordinary gains, net$024
Net income$2,646,000671
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0001,197
Cash dividends$2,000,000351
Sale, conversion, retirement of capital stock, net$0491
Net operating income$2,646,000652
2004-12-31 (YTD Data)Rank
Total interest income$29,971,000940
Total interest expense$5,078,0001,613
Net interest income$24,893,000795
Provision for loan and lease losses$1,975,000555
Total noninterest income$2,096,0002,126
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$631,0002,594
Trading account gains and fees$0138
Additional Noninterest Income$1,465,0001,666
Total noninterest expense$11,380,0001,428
Salaries and employee benefits$7,316,0001,188
Premises and equipment expense$806,0002,773
Additional noninterest expense$3,258,0001,513
Pre-tax net operating income$13,634,000663
Securities gains (losses)$41,0001,887
Applicable income taxes$4,046,000700
Income before extraordinary items$9,629,000690
Extraordinary gains, net$034
Net income$9,629,000691
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,555,000557
Cash dividends$11,000,000341
Sale, conversion, retirement of capital stock, net$0872
Net operating income$9,600,300666
2004-09-30 (YTD Data)Rank
Total interest income$21,661,000969
Total interest expense$3,665,0001,645
Net interest income$17,996,000825
Provision for loan and lease losses$800,000954
Total noninterest income$1,209,0002,563
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$509,0002,455
Trading account gains and fees$0134
Additional Noninterest Income$700,0002,268
Total noninterest expense$8,441,0001,442
Salaries and employee benefits$5,454,0001,197
Premises and equipment expense$603,0002,770
Additional noninterest expense$2,384,0001,532
Pre-tax net operating income$9,964,000686
Securities gains (losses)$17,0002,413
Applicable income taxes$3,194,000685
Income before extraordinary items$6,787,000742
Extraordinary gains, net$026
Net income$6,787,000743
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$793,000679
Cash dividends$9,000,000296
Sale, conversion, retirement of capital stock, net$0738
Net operating income$6,775,440717
2004-06-30 (YTD Data)Rank
Total interest income$14,294,000959
Total interest expense$2,418,0001,642
Net interest income$11,876,000822
Provision for loan and lease losses$450,0001,098
Total noninterest income$871,0002,444
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$366,0002,307
Trading account gains and fees$0130
Additional Noninterest Income$505,0002,175
Total noninterest expense$5,670,0001,427
Salaries and employee benefits$3,706,0001,176
Premises and equipment expense$407,0002,748
Additional noninterest expense$1,557,0001,556
Pre-tax net operating income$6,627,000681
Securities gains (losses)$03,413
Applicable income taxes$2,179,000677
Income before extraordinary items$4,448,000749
Extraordinary gains, net$021
Net income$4,448,000748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$297,0001,049
Cash dividends$7,000,000248
Sale, conversion, retirement of capital stock, net$0638
Net operating income$4,448,000712
2004-03-31 (YTD Data)Rank
Total interest income$6,981,000991
Total interest expense$1,194,0001,686
Net interest income$5,787,000858
Provision for loan and lease losses$300,000782
Total noninterest income$559,0001,993
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$193,0002,146
Trading account gains and fees$0121
Additional Noninterest Income$366,0001,638
Total noninterest expense$2,767,0001,471
Salaries and employee benefits$1,843,0001,191
Premises and equipment expense$209,0002,694
Additional noninterest expense$715,0001,661
Pre-tax net operating income$3,279,000681
Securities gains (losses)$02,934
Applicable income taxes$1,136,000666
Income before extraordinary items$2,143,000777
Extraordinary gains, net$016
Net income$2,143,000777
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$7,000,000143
Sale, conversion, retirement of capital stock, net$0464
Net operating income$2,143,000724
2003-12-31 (YTD Data)Rank
Total interest income$25,351,0001,126
Total interest expense$5,002,0001,789
Net interest income$20,349,000940
Provision for loan and lease losses$800,0001,446
Total noninterest income$1,421,0002,955
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$781,0002,154
Trading account gains and fees$0160
Additional Noninterest Income$640,0003,126
Total noninterest expense$10,698,0001,494
Salaries and employee benefits$6,485,0001,328
Premises and equipment expense$802,0002,758
Additional noninterest expense$3,411,0001,436
Pre-tax net operating income$10,272,000836
Securities gains (losses)$-3,0008,643
Applicable income taxes$3,561,000807
Income before extraordinary items$6,708,000965
Extraordinary gains, net$054
Net income$6,708,000968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,223,000787
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$6,709,950905
2003-09-30 (YTD Data)Rank
Total interest income$18,887,0001,152
Total interest expense$3,873,0001,800
Net interest income$15,014,000968
Provision for loan and lease losses$500,0001,656
Total noninterest income$896,0003,382
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$570,0002,221
Trading account gains and fees$0153
Additional Noninterest Income$326,0003,902
Total noninterest expense$7,876,0001,532
Salaries and employee benefits$5,002,0001,307
Premises and equipment expense$579,0002,860
Additional noninterest expense$2,295,0001,596
Pre-tax net operating income$7,534,000888
Securities gains (losses)$04,204
Applicable income taxes$2,605,000871
Income before extraordinary items$4,929,0001,024
Extraordinary gains, net$040
Net income$4,929,0001,024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$748,000851
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$4,929,000957
2003-06-30 (YTD Data)Rank
Total interest income$12,510,0001,176
Total interest expense$2,658,0001,810
Net interest income$9,852,000983
Provision for loan and lease losses$07,324
Total noninterest income$508,0003,700
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$374,0002,212
Trading account gains and fees$0150
Additional Noninterest Income$134,0004,782
Total noninterest expense$5,389,0001,487
Salaries and employee benefits$3,328,0001,306
Premises and equipment expense$378,0002,907
Additional noninterest expense$1,683,0001,461
Pre-tax net operating income$4,971,000889
Securities gains (losses)$03,782
Applicable income taxes$1,799,000850
Income before extraordinary items$3,172,0001,052
Extraordinary gains, net$030
Net income$3,172,0001,052
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$3,172,000977
2003-03-31 (YTD Data)Rank
Total interest income$5,879,0001,267
Total interest expense$1,349,0001,832
Net interest income$4,530,0001,079
Provision for loan and lease losses$06,934
Total noninterest income$78,0006,491
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$186,0002,154
Trading account gains and fees$0134
Additional Noninterest Income$-108,0009,315
Total noninterest expense$2,667,0001,498
Salaries and employee benefits$1,645,0001,321
Premises and equipment expense$182,0002,985
Additional noninterest expense$840,0001,429
Pre-tax net operating income$1,941,0001,116
Securities gains (losses)$02,891
Applicable income taxes$726,0001,035
Income before extraordinary items$1,215,0001,356
Extraordinary gains, net$021
Net income$1,215,0001,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,215,0001,269
2002-12-31 (YTD Data)Rank
Total interest income$25,445,0001,205
Total interest expense$5,879,0001,935
Net interest income$19,566,000994
Provision for loan and lease losses$1,070,0001,271
Total noninterest income$6,426,000852
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$489,0003,030
Trading account gains and fees$0153
Additional Noninterest Income$5,937,000617
Total noninterest expense$9,993,0001,546
Salaries and employee benefits$6,017,0001,355
Premises and equipment expense$747,0002,840
Additional noninterest expense$3,229,0001,476
Pre-tax net operating income$14,929,000588
Securities gains (losses)$19,0003,191
Applicable income taxes$5,300,000565
Income before extraordinary items$9,648,000650
Extraordinary gains, net$070
Net income$9,648,000651
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$798,0001,163
Cash dividends$1,750,0001,466
Sale, conversion, retirement of capital stock, net$0862
Net operating income$9,635,650622
2001-12-31 (YTD Data)Rank
Total interest income$33,155,0001,031
Total interest expense$11,220,0001,441
Net interest income$21,935,000807
Provision for loan and lease losses$1,278,0001,033
Total noninterest income$982,0003,378
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$330,0003,924
Trading account gains and fees$0177
Additional Noninterest Income$652,0002,687
Total noninterest expense$9,431,0001,555
Salaries and employee benefits$5,803,0001,282
Premises and equipment expense$731,0002,846
Additional noninterest expense$2,897,0001,605
Pre-tax net operating income$12,208,000639
Securities gains (losses)$135,0001,489
Applicable income taxes$4,206,000621
Income before extraordinary items$8,137,000690
Extraordinary gains, net$0105
Net income$8,137,000692
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$389,0001,867
Cash dividends$3,500,000807
Sale, conversion, retirement of capital stock, net$0922
Net operating income$8,047,900673
2000-12-31 (YTD Data)Rank
Total interest income$34,078,0001,041
Total interest expense$14,015,0001,242
Net interest income$20,063,000859
Provision for loan and lease losses$820,0001,252
Total noninterest income$1,402,0002,466
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$235,0004,684
Trading account gains and fees$0180
Additional Noninterest Income$1,167,0001,675
Total noninterest expense$8,818,0001,596
Salaries and employee benefits$5,452,0001,302
Premises and equipment expense$797,0002,575
Additional noninterest expense$2,569,0001,728
Pre-tax net operating income$11,827,000677
Securities gains (losses)$01,956
Applicable income taxes$3,965,000652
Income before extraordinary items$7,862,000699
Extraordinary gains, net$038
Net income$7,862,000699
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$161,0002,750
Cash dividends$700,0002,901
Sale, conversion, retirement of capital stock, net$0969
Net operating income$7,862,000699
1999-12-31 (YTD Data)Rank
Total interest income$25,758,0001,265
Total interest expense$9,965,0001,497
Net interest income$15,793,0001,112
Provision for loan and lease losses$610,0001,476
Total noninterest income$745,0003,802
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$353,0003,546
Trading account gains and fees$0173
Additional Noninterest Income$392,0003,473
Total noninterest expense$7,471,0001,856
Salaries and employee benefits$4,402,0001,570
Premises and equipment expense$730,0002,768
Additional noninterest expense$2,339,0001,868
Pre-tax net operating income$8,457,000950
Securities gains (losses)$8,0001,870
Applicable income taxes$2,788,000938
Income before extraordinary items$5,677,000979
Extraordinary gains, net$035
Net income$5,677,000978
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,206
Cash dividends$2,000,0001,354
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$5,671,640967
1998-12-31 (YTD Data)Rank
Total interest income$22,325,0001,444
Total interest expense$8,387,0001,824
Net interest income$13,938,0001,214
Provision for loan and lease losses$78,0005,647
Total noninterest income$1,658,0002,107
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$330,0003,638
Trading account gains and fees$0224
Additional Noninterest Income$1,328,0001,516
Total noninterest expense$15,153,000916
Salaries and employee benefits$4,633,0001,415
Premises and equipment expense$614,0003,096
Additional noninterest expense$9,906,000597
Pre-tax net operating income$365,0008,057
Securities gains (losses)$43,0001,842
Applicable income taxes$346,0004,788
Income before extraordinary items$62,0009,554
Extraordinary gains, net$032
Net income$62,0009,553
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0003,807
Cash dividends$3,000,000967
Sale, conversion, retirement of capital stock, net$2,388,000368
Net operating income$34,4809,643
1997-12-31 (YTD Data)Rank
Total interest income$19,465,0001,695
Total interest expense$6,878,0002,199
Net interest income$12,587,0001,372
Provision for loan and lease losses$300,0002,568
Total noninterest income$1,317,0002,436
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$316,0003,910
Trading account gains and fees$0239
Additional Noninterest Income$1,001,0001,736
Total noninterest expense$7,005,0001,849
Salaries and employee benefits$4,272,0001,528
Premises and equipment expense$562,0003,344
Additional noninterest expense$2,171,0001,952
Pre-tax net operating income$6,599,0001,198
Securities gains (losses)$-20,00010,368
Applicable income taxes$2,082,0001,271
Income before extraordinary items$4,497,0001,220
Extraordinary gains, net$044
Net income$4,497,0001,221
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,735
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$-1,559,00010,885
Net operating income$4,510,6001,189
1996-12-31 (YTD Data)Rank
Total interest income$15,543,0002,169
Total interest expense$5,444,0002,798
Net interest income$10,099,0001,753
Provision for loan and lease losses$270,0002,798
Total noninterest income$1,233,0002,631
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$248,0004,849
Trading account gains and fees$0262
Additional Noninterest Income$985,0001,840
Total noninterest expense$6,154,0002,229
Salaries and employee benefits$3,795,0001,746
Premises and equipment expense$584,0003,293
Additional noninterest expense$1,775,0002,731
Pre-tax net operating income$4,908,0001,470
Securities gains (losses)$04,148
Applicable income taxes$1,545,0001,563
Income before extraordinary items$3,363,0001,462
Extraordinary gains, net$053
Net income$3,363,0001,464
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0009,914
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$-1,525,00011,436
Net operating income$3,363,0001,428
1995-12-31 (YTD Data)Rank
Total interest income$13,512,0002,472
Total interest expense$4,622,0003,241
Net interest income$8,890,0002,022
Provision for loan and lease losses$331,0002,135
Total noninterest income$1,262,0002,602
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$201,0005,674
Trading account gains and fees$0522
Additional Noninterest Income$1,061,0001,736
Total noninterest expense$6,404,0002,146
Salaries and employee benefits$3,957,0001,674
Premises and equipment expense$464,0004,005
Additional noninterest expense$1,983,0002,414
Pre-tax net operating income$3,417,0002,155
Securities gains (losses)$186,000701
Applicable income taxes$1,085,0002,214
Income before extraordinary items$2,518,0002,003
Extraordinary gains, net$065
Net income$2,518,0002,000
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,894
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$1,900,000225
Net operating income$2,387,8002,080
1994-12-31 (YTD Data)Rank
Total interest income$9,964,0003,039
Total interest expense$2,815,0004,190
Net interest income$7,149,0002,524
Provision for loan and lease losses$144,0003,703
Total noninterest income$973,0003,170
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$194,0005,987
Trading account gains and fees$0475
Additional Noninterest Income$779,0002,169
Total noninterest expense$5,020,0002,775
Salaries and employee benefits$2,853,0002,352
Premises and equipment expense$437,0004,265
Additional noninterest expense$1,730,0002,925
Pre-tax net operating income$2,958,0002,408
Securities gains (losses)$-90,00011,462
Applicable income taxes$923,0002,412
Income before extraordinary items$1,945,0002,495
Extraordinary gains, net$0249
Net income$1,945,0002,495
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,569
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,006,2002,441
1993-12-31 (YTD Data)Rank
Total interest income$7,596,0004,007
Total interest expense$2,192,0005,393
Net interest income$5,404,0003,326
Provision for loan and lease losses$140,0004,819
Total noninterest income$1,115,0003,082
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$215,0005,687
Trading account gains and fees$9,000421
Additional Noninterest Income$891,0002,216
Total noninterest expense$4,558,0003,081
Salaries and employee benefits$2,571,0002,574
Premises and equipment expense$429,0004,433
Additional noninterest expense$1,558,0003,390
Pre-tax net operating income$1,821,0003,635
Securities gains (losses)$6,0005,977
Applicable income taxes$518,0004,059
Income before extraordinary items$1,309,0003,683
Extraordinary gains, net$03,149
Net income$1,309,0003,798
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$86,0004,894
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,304,6803,507
1992-12-31 (YTD Data)Rank
Total interest income$7,151,0004,746
Total interest expense$2,548,0005,896
Net interest income$4,603,0003,922
Provision for loan and lease losses$456,0003,197
Total noninterest income$874,0003,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$157,0006,925
Trading account gains and feesNANA
Additional Noninterest Income$717,0002,491
Total noninterest expense$4,071,0003,438
Salaries and employee benefits$2,266,0002,864
Premises and equipment expense$376,0005,045
Additional noninterest expense$1,429,0003,733
Pre-tax net operating income$950,0005,853
Securities gains (losses)$93,0003,119
Applicable income taxes$355,0005,285
Income before extraordinary items$688,0005,998
Extraordinary gains, net$249,000359
Net income$937,0004,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0005,743
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$626,6206,032

* 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.