The First National Bank and Trust Company of Okmulgee, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$13,815,0002,411
Total interest expense$3,126,0002,563
Net interest income$10,689,0002,289
Provision for loan and lease losses$253,0001,802
Total noninterest income$2,900,0001,664
Gross Fiduciary activities income$839,000535
Service charges on deposit accounts$905,0001,081
Trading account gains and feesNANA
Additional Noninterest Income$1,156,0002,144
Total noninterest expense$9,144,0002,145
Salaries and employee benefits$5,584,0002,048
Premises and equipment expense$713,0002,471
Additional noninterest expense$1,156,0002,144
Pre-tax net operating income$4,192,0002,122
Securities gains (losses)$0988
Applicable income taxes$03,369
Income before extraordinary items$4,192,0001,934
Extraordinary gains, net$054
Net income$4,192,0001,957
Minority interest net income$088
Net income of bank and minority interests.$4,192,0001,937
Net charge-offs$127,0001,368
Cash dividends$3,799,000995
Sale, conversion, retirement of capital stock, net$0540
Net operating income$4,192,0001,964
2023-09-30 (YTD Data)Rank
Total interest income$10,131,0002,409
Total interest expense$1,939,0002,681
Net interest income$8,192,0002,269
Provision for loan and lease losses$231,0001,535
Total noninterest income$2,219,0001,640
Gross Fiduciary activities income$636,000528
Service charges on deposit accounts$691,0001,059
Trading account gains and feesNANA
Additional Noninterest Income$892,0002,104
Total noninterest expense$6,868,0002,140
Salaries and employee benefits$4,130,0002,063
Premises and equipment expense$497,0002,562
Additional noninterest expense$892,0002,104
Pre-tax net operating income$3,312,0002,118
Securities gains (losses)$0849
Applicable income taxes$03,407
Income before extraordinary items$3,312,0001,941
Extraordinary gains, net$052
Net income$3,312,0001,959
Minority interest net income$081
Net income of bank and minority interests.$3,312,0001,941
Net charge-offs$-17,0003,954
Cash dividends$1,350,0001,453
Sale, conversion, retirement of capital stock, net$0507
Net operating income$3,312,0001,966
2023-06-30 (YTD Data)Rank
Total interest income$6,667,0002,393
Total interest expense$1,132,0002,686
Net interest income$5,535,0002,269
Provision for loan and lease losses$208,0001,314
Total noninterest income$1,308,0001,695
Gross Fiduciary activities income$274,000577
Service charges on deposit accounts$481,0001,005
Trading account gains and feesNANA
Additional Noninterest Income$553,0002,101
Total noninterest expense$4,575,0002,133
Salaries and employee benefits$2,764,0002,060
Premises and equipment expense$328,0002,579
Additional noninterest expense$553,0002,098
Pre-tax net operating income$2,060,0002,213
Securities gains (losses)$0938
Applicable income taxes$03,436
Income before extraordinary items$2,060,0002,030
Extraordinary gains, net$051
Net income$2,060,0002,054
Minority interest net income$081
Net income of bank and minority interests.$2,060,0002,030
Net charge-offs$-26,0004,185
Cash dividends$900,0001,469
Sale, conversion, retirement of capital stock, net$0486
Net operating income$2,060,0002,039
2023-03-31 (YTD Data)Rank
Total interest income$3,249,0002,414
Total interest expense$497,0002,646
Net interest income$2,752,0002,288
Provision for loan and lease losses$103,0001,265
Total noninterest income$650,0001,700
Gross Fiduciary activities income$131,000606
Service charges on deposit accounts$244,0001,010
Trading account gains and feesNANA
Additional Noninterest Income$275,0002,097
Total noninterest expense$2,284,0002,173
Salaries and employee benefits$1,372,0002,095
Premises and equipment expense$168,0002,569
Additional noninterest expense$275,0002,097
Pre-tax net operating income$1,015,0002,284
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$1,015,0002,076
Extraordinary gains, net$04
Net income$1,015,0002,075
Minority interest net income$048
Net income of bank and minority interests.$1,015,0002,076
Net charge-offs$-15,0004,163
Cash dividends$450,0001,311
Sale, conversion, retirement of capital stock, net$0430
Net operating income$1,015,0002,100
2022-12-31 (YTD Data)Rank
Total interest income$11,937,0002,291
Total interest expense$714,0002,830
Net interest income$11,223,0002,204
Provision for loan and lease losses$353,0001,432
Total noninterest income$3,013,0001,628
Gross Fiduciary activities income$809,000552
Service charges on deposit accounts$943,0001,058
Trading account gains and feesNANA
Additional Noninterest Income$1,261,0002,083
Total noninterest expense$9,216,0002,116
Salaries and employee benefits$5,174,0002,129
Premises and equipment expense$692,0002,511
Additional noninterest expense$1,261,0002,083
Pre-tax net operating income$4,667,0002,113
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$4,667,0001,910
Extraordinary gains, net$05
Net income$4,667,0001,909
Minority interest net income$063
Net income of bank and minority interests.$4,667,0001,909
Net charge-offs$100,0001,225
Cash dividends$4,185,000897
Sale, conversion, retirement of capital stock, net$0568
Net operating income$4,667,0001,940
2022-09-30 (YTD Data)Rank
Total interest income$8,758,0002,255
Total interest expense$449,0002,803
Net interest income$8,309,0002,202
Provision for loan and lease losses$283,0001,259
Total noninterest income$1,998,0001,765
Gross Fiduciary activities income$608,000552
Service charges on deposit accounts$707,0001,074
Trading account gains and feesNANA
Additional Noninterest Income$683,0002,457
Total noninterest expense$6,781,0002,133
Salaries and employee benefits$3,808,0002,151
Premises and equipment expense$415,0002,857
Additional noninterest expense$683,0002,457
Pre-tax net operating income$3,243,0002,201
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$3,243,0001,993
Extraordinary gains, net$04
Net income$3,243,0001,992
Minority interest net income$057
Net income of bank and minority interests.$3,243,0001,992
Net charge-offs$28,0001,462
Cash dividends$1,350,0001,426
Sale, conversion, retirement of capital stock, net$0519
Net operating income$3,243,0002,026
2022-06-30 (YTD Data)Rank
Total interest income$5,785,0002,227
Total interest expense$268,0002,804
Net interest income$5,517,0002,175
Provision for loan and lease losses$214,0001,110
Total noninterest income$1,285,0001,787
Gross Fiduciary activities income$396,000524
Service charges on deposit accounts$461,0001,074
Trading account gains and feesNANA
Additional Noninterest Income$428,0002,548
Total noninterest expense$4,576,0002,105
Salaries and employee benefits$2,507,0002,172
Premises and equipment expense$282,0002,829
Additional noninterest expense$1,787,0001,746
Pre-tax net operating income$2,012,0002,188
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$2,012,0001,987
Extraordinary gains, net$04
Net income$2,012,0001,987
Minority interest net income$060
Net income of bank and minority interests.$2,012,0001,987
Net charge-offs$27,0001,209
Cash dividends$900,0001,427
Sale, conversion, retirement of capital stock, net$0494
Net operating income$2,012,0002,028
2022-03-31 (YTD Data)Rank
Total interest income$2,794,0002,226
Total interest expense$125,0002,880
Net interest income$2,669,0002,169
Provision for loan and lease losses$135,000851
Total noninterest income$615,0001,847
Gross Fiduciary activities income$183,000531
Service charges on deposit accounts$230,0001,071
Trading account gains and feesNANA
Additional Noninterest Income$202,0002,557
Total noninterest expense$2,235,0002,138
Salaries and employee benefits$1,267,0002,159
Premises and equipment expense$140,0002,852
Additional noninterest expense$828,0001,822
Pre-tax net operating income$914,0002,214
Securities gains (losses)$0623
Applicable income taxes$03,450
Income before extraordinary items$914,0002,028
Extraordinary gains, net$04
Net income$914,0002,027
Minority interest net income$050
Net income of bank and minority interests.$914,0002,028
Net charge-offs$34,000800
Cash dividends$450,0001,241
Sale, conversion, retirement of capital stock, net$0453
Net operating income$914,0002,046
2021-12-31 (YTD Data)Rank
Total interest income$10,546,0002,395
Total interest expense$580,0002,957
Net interest income$9,966,0002,335
Provision for loan and lease losses$554,000958
Total noninterest income$2,875,0001,852
Gross Fiduciary activities income$694,000536
Service charges on deposit accounts$829,0001,113
Trading account gains and feesNANA
Additional Noninterest Income$1,352,0002,331
Total noninterest expense$8,227,0002,243
Salaries and employee benefits$4,903,0002,198
Premises and equipment expense$583,0002,789
Additional noninterest expense$2,741,0002,111
Pre-tax net operating income$4,060,0002,306
Securities gains (losses)$02,062
Applicable income taxes$03,710
Income before extraordinary items$4,060,0002,139
Extraordinary gains, net$010
Net income$4,060,0002,140
Minority interest net income$074
Net income of bank and minority interests.$4,060,0002,140
Net charge-offs$62,0001,561
Cash dividends$3,640,0001,017
Sale, conversion, retirement of capital stock, net$0582
Net operating income$4,060,0002,109
2021-09-30 (YTD Data)Rank
Total interest income$7,875,0002,446
Total interest expense$452,0002,991
Net interest income$7,423,0002,392
Provision for loan and lease losses$416,000952
Total noninterest income$2,127,0001,906
Gross Fiduciary activities income$476,000540
Service charges on deposit accounts$598,0001,136
Trading account gains and feesNANA
Additional Noninterest Income$1,053,0002,329
Total noninterest expense$5,907,0002,323
Salaries and employee benefits$3,529,0002,248
Premises and equipment expense$430,0002,831
Additional noninterest expense$1,948,0002,190
Pre-tax net operating income$3,227,0002,341
Securities gains (losses)$02,015
Applicable income taxes$03,719
Income before extraordinary items$3,227,0002,159
Extraordinary gains, net$08
Net income$3,227,0002,159
Minority interest net income$069
Net income of bank and minority interests.$3,227,0002,159
Net charge-offs$-1,0003,099
Cash dividends$1,350,0001,484
Sale, conversion, retirement of capital stock, net$0543
Net operating income$3,227,0002,128
2021-06-30 (YTD Data)Rank
Total interest income$5,208,0002,457
Total interest expense$322,0002,989
Net interest income$4,886,0002,401
Provision for loan and lease losses$278,000959
Total noninterest income$1,221,0002,023
Gross Fiduciary activities income$258,000569
Service charges on deposit accounts$357,0001,198
Trading account gains and feesNANA
Additional Noninterest Income$606,0002,451
Total noninterest expense$3,868,0002,349
Salaries and employee benefits$2,309,0002,281
Premises and equipment expense$288,0002,821
Additional noninterest expense$1,271,0002,212
Pre-tax net operating income$1,961,0002,426
Securities gains (losses)$01,818
Applicable income taxes$03,702
Income before extraordinary items$1,961,0002,255
Extraordinary gains, net$06
Net income$1,961,0002,253
Minority interest net income$067
Net income of bank and minority interests.$1,961,0002,255
Net charge-offs$-16,0003,970
Cash dividends$900,0001,466
Sale, conversion, retirement of capital stock, net$0517
Net operating income$1,961,0002,220
2021-03-31 (YTD Data)Rank
Total interest income$2,605,0002,445
Total interest expense$177,0002,932
Net interest income$2,428,0002,390
Provision for loan and lease losses$141,0001,053
Total noninterest income$550,0002,136
Gross Fiduciary activities income$99,000604
Service charges on deposit accounts$175,0001,211
Trading account gains and feesNANA
Additional Noninterest Income$276,0002,535
Total noninterest expense$1,856,0002,379
Salaries and employee benefits$1,138,0002,296
Premises and equipment expense$135,0002,940
Additional noninterest expense$583,0002,306
Pre-tax net operating income$981,0002,394
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$981,0002,247
Extraordinary gains, net$03
Net income$981,0002,248
Minority interest net income$055
Net income of bank and minority interests.$981,0002,247
Net charge-offs$-26,0004,430
Cash dividends$450,0001,278
Sale, conversion, retirement of capital stock, net$0482
Net operating income$981,0002,206
2020-12-31 (YTD Data)Rank
Total interest income$10,841,0002,394
Total interest expense$1,334,0002,550
Net interest income$9,507,0002,340
Provision for loan and lease losses$858,0001,766
Total noninterest income$2,074,0002,083
Gross Fiduciary activities income$305,000635
Service charges on deposit accounts$771,0001,163
Trading account gains and feesNANA
Additional Noninterest Income$998,0002,482
Total noninterest expense$7,330,0002,400
Salaries and employee benefits$4,451,0002,310
Premises and equipment expense$566,0002,846
Additional noninterest expense$2,313,0002,307
Pre-tax net operating income$3,393,0002,279
Securities gains (losses)$02,675
Applicable income taxes$03,697
Income before extraordinary items$3,393,0002,128
Extraordinary gains, net$04
Net income$3,393,0002,129
Minority interest net income$072
Net income of bank and minority interests.$3,393,0002,129
Net charge-offs$560,000904
Cash dividends$3,030,0001,109
Sale, conversion, retirement of capital stock, net$0566
Net operating income$3,393,0002,078
2020-09-30 (YTD Data)Rank
Total interest income$8,224,0002,389
Total interest expense$1,110,0002,506
Net interest income$7,114,0002,341
Provision for loan and lease losses$490,0001,987
Total noninterest income$1,426,0002,137
Gross Fiduciary activities income$218,000634
Service charges on deposit accounts$584,0001,156
Trading account gains and feesNANA
Additional Noninterest Income$624,0002,618
Total noninterest expense$5,554,0002,373
Salaries and employee benefits$3,380,0002,273
Premises and equipment expense$420,0002,865
Additional noninterest expense$1,754,0002,267
Pre-tax net operating income$2,496,0002,295
Securities gains (losses)$02,494
Applicable income taxes$03,696
Income before extraordinary items$2,496,0002,153
Extraordinary gains, net$04
Net income$2,496,0002,153
Minority interest net income$065
Net income of bank and minority interests.$2,496,0002,153
Net charge-offs$71,0001,861
Cash dividends$1,350,0001,433
Sale, conversion, retirement of capital stock, net$0532
Net operating income$2,496,0002,092
2020-06-30 (YTD Data)Rank
Total interest income$5,579,0002,397
Total interest expense$846,0002,403
Net interest income$4,733,0002,356
Provision for loan and lease losses$307,0002,028
Total noninterest income$918,0002,119
Gross Fiduciary activities income$135,000645
Service charges on deposit accounts$391,0001,161
Trading account gains and feesNANA
Additional Noninterest Income$392,0002,630
Total noninterest expense$3,684,0002,378
Salaries and employee benefits$2,253,0002,278
Premises and equipment expense$275,0002,902
Additional noninterest expense$1,156,0002,276
Pre-tax net operating income$1,660,0002,260
Securities gains (losses)$02,249
Applicable income taxes$03,655
Income before extraordinary items$1,660,0002,089
Extraordinary gains, net$04
Net income$1,660,0002,089
Minority interest net income$065
Net income of bank and minority interests.$1,660,0002,089
Net charge-offs$-25,0004,576
Cash dividends$900,0001,420
Sale, conversion, retirement of capital stock, net$0504
Net operating income$1,660,0002,045
2020-03-31 (YTD Data)Rank
Total interest income$2,877,0002,333
Total interest expense$493,0002,309
Net interest income$2,384,0002,300
Provision for loan and lease losses$162,0001,587
Total noninterest income$483,0001,979
Gross Fiduciary activities income$66,000648
Service charges on deposit accounts$235,0001,162
Trading account gains and feesNANA
Additional Noninterest Income$182,0002,546
Total noninterest expense$1,821,0002,402
Salaries and employee benefits$1,137,0002,276
Premises and equipment expense$141,0002,894
Additional noninterest expense$543,0002,386
Pre-tax net operating income$884,0002,011
Securities gains (losses)$01,705
Applicable income taxes$03,513
Income before extraordinary items$884,0001,835
Extraordinary gains, net$04
Net income$884,0001,835
Minority interest net income$056
Net income of bank and minority interests.$884,0001,835
Net charge-offs$-93,0004,962
Cash dividends$450,0001,368
Sale, conversion, retirement of capital stock, net$0482
Net operating income$884,0001,806
2019-12-31 (YTD Data)Rank
Total interest income$11,796,0002,315
Total interest expense$2,126,0002,249
Net interest income$9,670,0002,295
Provision for loan and lease losses$240,0002,172
Total noninterest income$1,845,0002,052
Gross Fiduciary activities income$271,000654
Service charges on deposit accounts$831,0001,301
Trading account gains and feesNANA
Additional Noninterest Income$743,0002,583
Total noninterest expense$7,254,0002,387
Salaries and employee benefits$4,329,0002,318
Premises and equipment expense$584,0002,835
Additional noninterest expense$2,341,0002,315
Pre-tax net operating income$4,021,0002,049
Securities gains (losses)$5,0002,084
Applicable income taxes$03,859
Income before extraordinary items$4,026,0001,874
Extraordinary gains, net$011
Net income$4,026,0001,876
Minority interest net income$076
Net income of bank and minority interests.$4,026,0001,876
Net charge-offs$175,0001,792
Cash dividends$3,630,0001,040
Sale, conversion, retirement of capital stock, net$0626
Net operating income$4,021,0001,843
2019-09-30 (YTD Data)Rank
Total interest income$8,856,0002,339
Total interest expense$1,584,0002,274
Net interest income$7,272,0002,327
Provision for loan and lease losses$180,0002,065
Total noninterest income$1,374,0002,060
Gross Fiduciary activities income$200,000650
Service charges on deposit accounts$613,0001,318
Trading account gains and feesNANA
Additional Noninterest Income$561,0002,596
Total noninterest expense$5,339,0002,426
Salaries and employee benefits$3,242,0002,333
Premises and equipment expense$442,0002,837
Additional noninterest expense$1,655,0002,406
Pre-tax net operating income$3,127,0002,055
Securities gains (losses)$02,167
Applicable income taxes$03,902
Income before extraordinary items$3,127,0001,880
Extraordinary gains, net$011
Net income$3,127,0001,879
Minority interest net income$072
Net income of bank and minority interests.$3,127,0001,881
Net charge-offs$-104,0004,980
Cash dividends$1,350,0001,527
Sale, conversion, retirement of capital stock, net$0590
Net operating income$3,127,0001,846
2019-06-30 (YTD Data)Rank
Total interest income$5,870,0002,353
Total interest expense$1,020,0002,310
Net interest income$4,850,0002,329
Provision for loan and lease losses$119,0002,088
Total noninterest income$902,0002,073
Gross Fiduciary activities income$134,000660
Service charges on deposit accounts$397,0001,334
Trading account gains and feesNANA
Additional Noninterest Income$371,0002,581
Total noninterest expense$3,526,0002,457
Salaries and employee benefits$2,150,0002,351
Premises and equipment expense$288,0002,891
Additional noninterest expense$1,088,0002,441
Pre-tax net operating income$2,107,0002,034
Securities gains (losses)$-3,0004,772
Applicable income taxes$03,901
Income before extraordinary items$2,104,0001,834
Extraordinary gains, net$011
Net income$2,104,0001,833
Minority interest net income$069
Net income of bank and minority interests.$2,104,0001,834
Net charge-offs$-122,0005,083
Cash dividends$900,0001,530
Sale, conversion, retirement of capital stock, net$0573
Net operating income$2,107,0001,804
2019-03-31 (YTD Data)Rank
Total interest income$2,869,0002,386
Total interest expense$491,0002,333
Net interest income$2,378,0002,370
Provision for loan and lease losses$59,0001,969
Total noninterest income$432,0002,081
Gross Fiduciary activities income$67,000662
Service charges on deposit accounts$192,0001,366
Trading account gains and feesNANA
Additional Noninterest Income$173,0002,579
Total noninterest expense$1,741,0002,489
Salaries and employee benefits$1,078,0002,353
Premises and equipment expense$133,0003,072
Additional noninterest expense$530,0002,487
Pre-tax net operating income$1,010,0002,043
Securities gains (losses)$01,087
Applicable income taxes$03,800
Income before extraordinary items$1,010,0001,855
Extraordinary gains, net$05
Net income$1,010,0001,853
Minority interest net income$052
Net income of bank and minority interests.$1,010,0001,854
Net charge-offs$18,0001,744
Cash dividends$450,0001,415
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,010,0001,833
2018-12-31 (YTD Data)Rank
Total interest income$11,082,0002,350
Total interest expense$1,547,0002,295
Net interest income$9,535,0002,330
Provision for loan and lease losses$138,0002,722
Total noninterest income$1,964,0002,007
Gross Fiduciary activities income$285,000665
Service charges on deposit accounts$858,0001,300
Trading account gains and feesNANA
Additional Noninterest Income$821,0002,472
Total noninterest expense$7,351,0002,393
Salaries and employee benefits$4,431,0002,289
Premises and equipment expense$611,0002,808
Additional noninterest expense$2,309,0002,354
Pre-tax net operating income$4,010,0002,101
Securities gains (losses)$01,125
Applicable income taxes$03,978
Income before extraordinary items$4,010,0001,908
Extraordinary gains, net$06
Net income$4,010,0001,906
Minority interest net income$072
Net income of bank and minority interests.$4,010,0001,907
Net charge-offs$350,0001,215
Cash dividends$3,600,000947
Sale, conversion, retirement of capital stock, net$0671
Net operating income$4,010,0001,900
2018-09-30 (YTD Data)Rank
Total interest income$8,265,0002,350
Total interest expense$1,110,0002,287
Net interest income$7,155,0002,336
Provision for loan and lease losses$1,0003,929
Total noninterest income$1,451,0002,040
Gross Fiduciary activities income$203,000670
Service charges on deposit accounts$632,0001,325
Trading account gains and feesNANA
Additional Noninterest Income$616,0002,488
Total noninterest expense$5,560,0002,382
Salaries and employee benefits$3,370,0002,270
Premises and equipment expense$462,0002,805
Additional noninterest expense$1,728,0002,350
Pre-tax net operating income$3,045,0002,102
Securities gains (losses)$01,118
Applicable income taxes$04,032
Income before extraordinary items$3,045,0001,886
Extraordinary gains, net$05
Net income$3,045,0001,884
Minority interest net income$066
Net income of bank and minority interests.$3,045,0001,885
Net charge-offs$-11,0004,502
Cash dividends$1,500,0001,289
Sale, conversion, retirement of capital stock, net$0633
Net operating income$3,045,0001,875
2018-06-30 (YTD Data)Rank
Total interest income$5,427,0002,362
Total interest expense$700,0002,288
Net interest income$4,727,0002,351
Provision for loan and lease losses$1,0003,758
Total noninterest income$969,0002,045
Gross Fiduciary activities income$127,000682
Service charges on deposit accounts$422,0001,325
Trading account gains and feesNANA
Additional Noninterest Income$420,0002,462
Total noninterest expense$3,699,0002,390
Salaries and employee benefits$2,246,0002,276
Premises and equipment expense$314,0002,789
Additional noninterest expense$1,139,0002,388
Pre-tax net operating income$1,996,0002,104
Securities gains (losses)$0961
Applicable income taxes$04,018
Income before extraordinary items$1,996,0001,880
Extraordinary gains, net$06
Net income$1,996,0001,878
Minority interest net income$065
Net income of bank and minority interests.$1,996,0001,879
Net charge-offs$-26,0004,826
Cash dividends$1,000,0001,291
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,996,0001,875
2018-03-31 (YTD Data)Rank
Total interest income$2,643,0002,409
Total interest expense$313,0002,394
Net interest income$2,330,0002,381
Provision for loan and lease losses$03,508
Total noninterest income$486,0002,019
Gross Fiduciary activities income$68,000676
Service charges on deposit accounts$212,0001,323
Trading account gains and feesNANA
Additional Noninterest Income$206,0002,443
Total noninterest expense$1,856,0002,406
Salaries and employee benefits$1,124,0002,298
Premises and equipment expense$164,0002,753
Additional noninterest expense$568,0002,391
Pre-tax net operating income$960,0002,097
Securities gains (losses)$0735
Applicable income taxes$03,948
Income before extraordinary items$960,0001,895
Extraordinary gains, net$07
Net income$960,0001,894
Minority interest net income$052
Net income of bank and minority interests.$960,0001,895
Net charge-offs$-9,0004,705
Cash dividends$500,0001,167
Sale, conversion, retirement of capital stock, net$0580
Net operating income$960,0001,882
2017-12-31 (YTD Data)Rank
Total interest income$10,286,0002,395
Total interest expense$1,031,0002,491
Net interest income$9,255,0002,346
Provision for loan and lease losses$253,0002,136
Total noninterest income$1,964,0002,048
Gross Fiduciary activities income$287,000673
Service charges on deposit accounts$923,0001,261
Trading account gains and fees$0151
Additional Noninterest Income$754,0002,627
Total noninterest expense$7,699,0002,340
Salaries and employee benefits$4,799,0002,143
Premises and equipment expense$648,0002,794
Additional noninterest expense$2,252,0002,446
Pre-tax net operating income$3,267,0002,346
Securities gains (losses)$30,0001,140
Applicable income taxes$04,135
Income before extraordinary items$3,297,0001,886
Extraordinary gains, net$09
Net income$3,297,0001,886
Minority interest net income$076
Net income of bank and minority interests.$3,297,0001,887
Net charge-offs$93,0002,505
Cash dividends$2,936,0001,051
Sale, conversion, retirement of capital stock, net$0711
Net operating income$3,267,0001,884
2017-09-30 (YTD Data)Rank
Total interest income$7,715,0002,398
Total interest expense$751,0002,526
Net interest income$6,964,0002,355
Provision for loan and lease losses$253,0001,796
Total noninterest income$1,480,0002,070
Gross Fiduciary activities income$215,000673
Service charges on deposit accounts$701,0001,258
Trading account gains and fees$0145
Additional Noninterest Income$564,0002,669
Total noninterest expense$5,737,0002,358
Salaries and employee benefits$3,518,0002,195
Premises and equipment expense$508,0002,739
Additional noninterest expense$1,711,0002,415
Pre-tax net operating income$2,454,0002,396
Securities gains (losses)$30,0001,110
Applicable income taxes$04,172
Income before extraordinary items$2,484,0002,034
Extraordinary gains, net$09
Net income$2,484,0002,034
Minority interest net income$071
Net income of bank and minority interests.$2,484,0002,034
Net charge-offs$-211,0005,496
Cash dividends$1,500,0001,286
Sale, conversion, retirement of capital stock, net$0677
Net operating income$2,454,0002,018
2017-06-30 (YTD Data)Rank
Total interest income$4,954,0002,452
Total interest expense$478,0002,562
Net interest income$4,476,0002,413
Provision for loan and lease losses$179,0001,693
Total noninterest income$1,002,0002,046
Gross Fiduciary activities income$140,000683
Service charges on deposit accounts$460,0001,257
Trading account gains and fees$0139
Additional Noninterest Income$402,0002,569
Total noninterest expense$3,851,0002,351
Salaries and employee benefits$2,337,0002,218
Premises and equipment expense$337,0002,757
Additional noninterest expense$1,177,0002,363
Pre-tax net operating income$1,448,0002,548
Securities gains (losses)$12,0001,188
Applicable income taxes$04,189
Income before extraordinary items$1,460,0002,198
Extraordinary gains, net$011
Net income$1,460,0002,199
Minority interest net income$071
Net income of bank and minority interests.$1,460,0002,199
Net charge-offs$-44,0005,254
Cash dividends$1,000,0001,294
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,448,0002,183
2017-03-31 (YTD Data)Rank
Total interest income$2,427,0002,492
Total interest expense$229,0002,610
Net interest income$2,198,0002,445
Provision for loan and lease losses$89,0001,601
Total noninterest income$528,0001,970
Gross Fiduciary activities income$67,000691
Service charges on deposit accounts$232,0001,259
Trading account gains and fees$0142
Additional Noninterest Income$229,0002,408
Total noninterest expense$1,970,0002,325
Salaries and employee benefits$1,182,0002,230
Premises and equipment expense$182,0002,658
Additional noninterest expense$606,0002,303
Pre-tax net operating income$667,0002,618
Securities gains (losses)$01,153
Applicable income taxes$04,086
Income before extraordinary items$667,0002,278
Extraordinary gains, net$08
Net income$667,0002,277
Minority interest net income$055
Net income of bank and minority interests.$667,0002,278
Net charge-offs$-30,0005,381
Cash dividends$500,0001,199
Sale, conversion, retirement of capital stock, net$0632
Net operating income$667,0002,249
2016-12-31 (YTD Data)Rank
Total interest income$10,454,0002,312
Total interest expense$906,0002,589
Net interest income$9,548,0002,276
Provision for loan and lease losses$360,0001,801
Total noninterest income$2,041,0002,090
Gross Fiduciary activities income$220,000725
Service charges on deposit accounts$957,0001,253
Trading account gains and fees$0170
Additional Noninterest Income$864,0002,578
Total noninterest expense$7,767,0002,351
Salaries and employee benefits$4,711,0002,189
Premises and equipment expense$637,0002,908
Additional noninterest expense$2,419,0002,376
Pre-tax net operating income$3,462,0002,135
Securities gains (losses)$77,0001,536
Applicable income taxes$04,278
Income before extraordinary items$3,539,0001,830
Extraordinary gains, net$05
Net income$3,539,0001,829
Minority interest net income$082
Net income of bank and minority interests.$3,539,0001,829
Net charge-offs$289,0001,564
Cash dividends$3,362,000944
Sale, conversion, retirement of capital stock, net$0759
Net operating income$3,462,0001,820
2016-09-30 (YTD Data)Rank
Total interest income$7,960,0002,295
Total interest expense$672,0002,600
Net interest income$7,288,0002,250
Provision for loan and lease losses$270,0001,728
Total noninterest income$1,535,0002,097
Gross Fiduciary activities income$168,000717
Service charges on deposit accounts$712,0001,256
Trading account gains and fees$0169
Additional Noninterest Income$655,0002,563
Total noninterest expense$5,855,0002,340
Salaries and employee benefits$3,607,0002,148
Premises and equipment expense$494,0002,864
Additional noninterest expense$1,754,0002,440
Pre-tax net operating income$2,698,0002,119
Securities gains (losses)$77,0001,453
Applicable income taxes$04,325
Income before extraordinary items$2,775,0001,792
Extraordinary gains, net$05
Net income$2,775,0001,792
Minority interest net income$071
Net income of bank and minority interests.$2,775,0001,792
Net charge-offs$27,0002,972
Cash dividends$1,650,0001,203
Sale, conversion, retirement of capital stock, net$0719
Net operating income$2,698,0001,781
2016-06-30 (YTD Data)Rank
Total interest income$5,354,0002,272
Total interest expense$440,0002,652
Net interest income$4,914,0002,218
Provision for loan and lease losses$179,0001,756
Total noninterest income$1,011,0002,093
Gross Fiduciary activities income$113,000723
Service charges on deposit accounts$454,0001,299
Trading account gains and fees$0157
Additional Noninterest Income$444,0002,528
Total noninterest expense$3,919,0002,339
Salaries and employee benefits$2,431,0002,140
Premises and equipment expense$338,0002,827
Additional noninterest expense$1,150,0002,480
Pre-tax net operating income$1,827,0002,086
Securities gains (losses)$40,0001,579
Applicable income taxes$04,338
Income before extraordinary items$1,867,0001,769
Extraordinary gains, net$016
Net income$1,867,0001,769
Minority interest net income$071
Net income of bank and minority interests.$1,867,0001,769
Net charge-offs$-70,0005,603
Cash dividends$1,100,0001,217
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,827,0001,745
2016-03-31 (YTD Data)Rank
Total interest income$2,650,0002,298
Total interest expense$218,0002,683
Net interest income$2,432,0002,226
Provision for loan and lease losses$89,0001,658
Total noninterest income$489,0002,094
Gross Fiduciary activities income$59,000716
Service charges on deposit accounts$207,0001,395
Trading account gains and fees$0142
Additional Noninterest Income$223,0002,494
Total noninterest expense$1,940,0002,361
Salaries and employee benefits$1,222,0002,143
Premises and equipment expense$157,0002,983
Additional noninterest expense$561,0002,530
Pre-tax net operating income$892,0002,094
Securities gains (losses)$02,077
Applicable income taxes$04,259
Income before extraordinary items$892,0001,792
Extraordinary gains, net$012
Net income$892,0001,793
Minority interest net income$062
Net income of bank and minority interests.$892,0001,793
Net charge-offs$-33,0005,611
Cash dividends$550,0001,129
Sale, conversion, retirement of capital stock, net$0659
Net operating income$892,0001,751
2015-12-31 (YTD Data)Rank
Total interest income$10,733,0002,231
Total interest expense$827,0002,759
Net interest income$9,906,0002,155
Provision for loan and lease losses$364,0001,695
Total noninterest income$5,101,0001,107
Gross Fiduciary activities income$270,000706
Service charges on deposit accounts$932,0001,292
Trading account gains and fees$0159
Additional Noninterest Income$3,899,000974
Total noninterest expense$8,774,0002,126
Salaries and employee benefits$4,861,0002,102
Premises and equipment expense$664,0002,906
Additional noninterest expense$3,249,0001,858
Pre-tax net operating income$5,869,0001,387
Securities gains (losses)$5,0002,832
Applicable income taxes$04,402
Income before extraordinary items$5,874,0001,199
Extraordinary gains, net$023
Net income$5,874,0001,199
Minority interest net income$081
Net income of bank and minority interests.$5,874,0001,199
Net charge-offs$398,0001,359
Cash dividends$5,550,000604
Sale, conversion, retirement of capital stock, net$0804
Net operating income$5,869,0001,173
2015-09-30 (YTD Data)Rank
Total interest income$8,051,0002,243
Total interest expense$619,0002,801
Net interest income$7,432,0002,163
Provision for loan and lease losses$273,0001,603
Total noninterest income$4,288,0001,034
Gross Fiduciary activities income$210,000705
Service charges on deposit accounts$700,0001,304
Trading account gains and fees$0153
Additional Noninterest Income$3,378,000878
Total noninterest expense$6,591,0002,132
Salaries and employee benefits$3,742,0002,077
Premises and equipment expense$498,0002,959
Additional noninterest expense$2,351,0001,905
Pre-tax net operating income$4,856,0001,306
Securities gains (losses)$1,0002,915
Applicable income taxes$04,489
Income before extraordinary items$4,857,0001,104
Extraordinary gains, net$021
Net income$4,857,0001,102
Minority interest net income$078
Net income of bank and minority interests.$4,857,0001,104
Net charge-offs$53,0002,731
Cash dividends$3,050,000700
Sale, conversion, retirement of capital stock, net$0773
Net operating income$4,856,0001,073
2015-06-30 (YTD Data)Rank
Total interest income$5,384,0002,244
Total interest expense$413,0002,817
Net interest income$4,971,0002,155
Provision for loan and lease losses$182,0001,596
Total noninterest income$3,295,000934
Gross Fiduciary activities income$122,000738
Service charges on deposit accounts$442,0001,353
Trading account gains and fees$0157
Additional Noninterest Income$2,731,000768
Total noninterest expense$4,419,0002,133
Salaries and employee benefits$2,551,0002,050
Premises and equipment expense$318,0003,045
Additional noninterest expense$1,550,0001,945
Pre-tax net operating income$3,665,0001,157
Securities gains (losses)$1,0002,511
Applicable income taxes$04,497
Income before extraordinary items$3,666,000968
Extraordinary gains, net$022
Net income$3,666,000968
Minority interest net income$075
Net income of bank and minority interests.$3,666,000968
Net charge-offs$41,0002,481
Cash dividends$2,500,000589
Sale, conversion, retirement of capital stock, net$0751
Net operating income$3,665,000942
2015-03-31 (YTD Data)Rank
Total interest income$2,690,0002,240
Total interest expense$208,0002,818
Net interest income$2,482,0002,141
Provision for loan and lease losses$92,0001,520
Total noninterest income$800,0001,512
Gross Fiduciary activities income$61,000740
Service charges on deposit accounts$217,0001,344
Trading account gains and fees$0152
Additional Noninterest Income$522,0001,461
Total noninterest expense$2,167,0002,174
Salaries and employee benefits$1,216,0002,131
Premises and equipment expense$174,0002,909
Additional noninterest expense$777,0001,924
Pre-tax net operating income$1,023,0001,818
Securities gains (losses)$02,027
Applicable income taxes$04,400
Income before extraordinary items$1,023,0001,568
Extraordinary gains, net$013
Net income$1,023,0001,569
Minority interest net income$064
Net income of bank and minority interests.$1,023,0001,570
Net charge-offs$-7,0005,272
Cash dividends$550,0001,036
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,023,0001,507
2014-12-31 (YTD Data)Rank
Total interest income$11,005,0002,187
Total interest expense$871,0002,870
Net interest income$10,134,0002,100
Provision for loan and lease losses$359,0001,809
Total noninterest income$2,955,0001,594
Gross Fiduciary activities income$252,000737
Service charges on deposit accounts$998,0001,292
Trading account gains and fees$0180
Additional Noninterest Income$1,705,0001,644
Total noninterest expense$9,648,0001,966
Salaries and employee benefits$4,303,0002,336
Premises and equipment expense$729,0002,838
Additional noninterest expense$4,616,0001,391
Pre-tax net operating income$3,082,0002,233
Securities gains (losses)$28,0002,114
Applicable income taxes$04,531
Income before extraordinary items$3,110,0001,962
Extraordinary gains, net$017
Net income$3,110,0001,961
Minority interest net income$084
Net income of bank and minority interests.$3,110,0001,960
Net charge-offs$-73,0006,077
Cash dividends$3,006,000903
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,082,0001,932
2014-09-30 (YTD Data)Rank
Total interest income$8,338,0002,188
Total interest expense$661,0002,883
Net interest income$7,677,0002,086
Provision for loan and lease losses$268,0001,754
Total noninterest income$2,158,0001,620
Gross Fiduciary activities income$192,000729
Service charges on deposit accounts$741,0001,309
Trading account gains and fees$0174
Additional Noninterest Income$1,225,0001,693
Total noninterest expense$7,326,0001,941
Salaries and employee benefits$3,110,0002,408
Premises and equipment expense$540,0002,890
Additional noninterest expense$3,676,0001,318
Pre-tax net operating income$2,241,0002,326
Securities gains (losses)$24,0001,926
Applicable income taxes$04,583
Income before extraordinary items$2,265,0002,012
Extraordinary gains, net$015
Net income$2,265,0002,012
Minority interest net income$081
Net income of bank and minority interests.$2,265,0002,011
Net charge-offs$-534,0006,480
Cash dividends$1,650,0001,086
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,241,0001,985
2014-06-30 (YTD Data)Rank
Total interest income$4,785,0002,513
Total interest expense$367,0003,306
Net interest income$4,418,0002,398
Provision for loan and lease losses$177,0001,759
Total noninterest income$1,196,0001,850
Gross Fiduciary activities income$123,000738
Service charges on deposit accounts$414,0001,517
Trading account gains and fees$0172
Additional Noninterest Income$659,0001,925
Total noninterest expense$4,842,0001,957
Salaries and employee benefits$1,743,0002,785
Premises and equipment expense$273,0003,509
Additional noninterest expense$2,826,0001,149
Pre-tax net operating income$595,0003,890
Securities gains (losses)$24,0001,570
Applicable income taxes$04,568
Income before extraordinary items$619,0003,577
Extraordinary gains, net$020
Net income$619,0003,582
Minority interest net income$080
Net income of bank and minority interests.$619,0003,583
Net charge-offs$-544,0006,567
Cash dividends$1,100,0001,077
Sale, conversion, retirement of capital stock, net$0794
Net operating income$595,0003,583
2014-03-31 (YTD Data)Rank
Total interest income$2,395,0002,508
Total interest expense$178,0003,412
Net interest income$2,217,0002,375
Provision for loan and lease losses$87,0001,728
Total noninterest income$581,0001,845
Gross Fiduciary activities income$60,000747
Service charges on deposit accounts$200,0001,551
Trading account gains and fees$0147
Additional Noninterest Income$321,0001,918
Total noninterest expense$1,634,0002,786
Salaries and employee benefits$987,0002,543
Premises and equipment expense$134,0003,597
Additional noninterest expense$513,0002,827
Pre-tax net operating income$1,077,0001,658
Securities gains (losses)$24,000901
Applicable income taxes$04,445
Income before extraordinary items$1,101,0001,380
Extraordinary gains, net$016
Net income$1,101,0001,383
Minority interest net income$066
Net income of bank and minority interests.$1,101,0001,382
Net charge-offs$6,0003,056
Cash dividends$550,000967
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,077,0001,382
2013-12-31 (YTD Data)Rank
Total interest income$9,518,0002,531
Total interest expense$727,0003,657
Net interest income$8,791,0002,388
Provision for loan and lease losses$316,0002,379
Total noninterest income$2,691,0001,753
Gross Fiduciary activities income$239,000747
Service charges on deposit accounts$928,0001,457
Trading account gains and fees$0184
Additional Noninterest Income$1,524,0001,826
Total noninterest expense$6,676,0002,733
Salaries and employee benefits$3,808,0002,589
Premises and equipment expense$524,0003,633
Additional noninterest expense$2,344,0002,607
Pre-tax net operating income$4,490,0001,559
Securities gains (losses)$03,182
Applicable income taxes$4,0004,440
Income before extraordinary items$4,486,0001,351
Extraordinary gains, net$029
Net income$4,486,0001,354
Minority interest net income$090
Net income of bank and minority interests.$4,486,0001,354
Net charge-offs$1,298,0001,039
Cash dividends$4,300,000641
Sale, conversion, retirement of capital stock, net$0924
Net operating income$4,486,0001,324
2013-09-30 (YTD Data)Rank
Total interest income$7,069,0002,581
Total interest expense$549,0003,732
Net interest income$6,520,0002,428
Provision for loan and lease losses$256,0002,260
Total noninterest income$2,034,0001,776
Gross Fiduciary activities income$176,000745
Service charges on deposit accounts$710,0001,440
Trading account gains and fees$0180
Additional Noninterest Income$1,148,0001,873
Total noninterest expense$4,857,0002,809
Salaries and employee benefits$2,789,0002,656
Premises and equipment expense$384,0003,715
Additional noninterest expense$1,684,0002,720
Pre-tax net operating income$3,441,0001,557
Securities gains (losses)$03,040
Applicable income taxes$4,0004,492
Income before extraordinary items$3,437,0001,324
Extraordinary gains, net$025
Net income$3,437,0001,326
Minority interest net income$084
Net income of bank and minority interests.$3,437,0001,326
Net charge-offs$-38,0006,402
Cash dividends$1,650,0001,027
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,437,0001,300
2013-06-30 (YTD Data)Rank
Total interest income$4,606,0002,639
Total interest expense$369,0003,769
Net interest income$4,237,0002,466
Provision for loan and lease losses$196,0002,158
Total noninterest income$1,296,0001,857
Gross Fiduciary activities income$107,000763
Service charges on deposit accounts$463,0001,443
Trading account gains and fees$0157
Additional Noninterest Income$726,0001,961
Total noninterest expense$3,286,0002,779
Salaries and employee benefits$1,861,0002,668
Premises and equipment expense$242,0003,858
Additional noninterest expense$1,183,0002,572
Pre-tax net operating income$2,051,0001,685
Securities gains (losses)$02,791
Applicable income taxes$2,0004,510
Income before extraordinary items$2,049,0001,465
Extraordinary gains, net$022
Net income$2,049,0001,469
Minority interest net income$082
Net income of bank and minority interests.$2,049,0001,470
Net charge-offs$-174,0006,781
Cash dividends$1,100,000998
Sale, conversion, retirement of capital stock, net$0838
Net operating income$2,049,0001,417
2013-03-31 (YTD Data)Rank
Total interest income$2,299,0002,657
Total interest expense$188,0003,810
Net interest income$2,111,0002,493
Provision for loan and lease losses$137,0001,789
Total noninterest income$657,0001,827
Gross Fiduciary activities income$56,000763
Service charges on deposit accounts$225,0001,457
Trading account gains and fees$0148
Additional Noninterest Income$376,0001,933
Total noninterest expense$1,605,0002,867
Salaries and employee benefits$936,0002,671
Premises and equipment expense$117,0003,948
Additional noninterest expense$552,0002,738
Pre-tax net operating income$1,026,0001,662
Securities gains (losses)$01,966
Applicable income taxes$1,0004,491
Income before extraordinary items$1,025,0001,442
Extraordinary gains, net$010
Net income$1,025,0001,444
Minority interest net income$076
Net income of bank and minority interests.$1,025,0001,444
Net charge-offs$-175,0006,897
Cash dividends$550,000872
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,025,0001,388
2012-12-31 (YTD Data)Rank
Total interest income$9,560,0002,670
Total interest expense$873,0003,933
Net interest income$8,687,0002,469
Provision for loan and lease losses$900,0001,884
Total noninterest income$2,605,0001,818
Gross Fiduciary activities income$230,000764
Service charges on deposit accounts$929,0001,507
Trading account gains and fees$0166
Additional Noninterest Income$1,446,0001,891
Total noninterest expense$7,026,0002,652
Salaries and employee benefits$3,800,0002,574
Premises and equipment expense$546,0003,603
Additional noninterest expense$2,680,0002,415
Pre-tax net operating income$3,366,0001,889
Securities gains (losses)$03,810
Applicable income taxes$1,0004,670
Income before extraordinary items$3,365,0001,696
Extraordinary gains, net$029
Net income$3,365,0001,697
Minority interest net income$093
Net income of bank and minority interests.$3,365,0001,697
Net charge-offs$834,0002,011
Cash dividends$3,250,000813
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$3,365,0001,596
2012-09-30 (YTD Data)Rank
Total interest income$7,175,0002,725
Total interest expense$676,0003,980
Net interest income$6,499,0002,510
Provision for loan and lease losses$472,0002,353
Total noninterest income$1,918,0001,837
Gross Fiduciary activities income$175,000757
Service charges on deposit accounts$702,0001,508
Trading account gains and fees$0157
Additional Noninterest Income$1,041,0001,945
Total noninterest expense$5,201,0002,682
Salaries and employee benefits$2,767,0002,666
Premises and equipment expense$426,0003,561
Additional noninterest expense$2,008,0002,411
Pre-tax net operating income$2,744,0001,809
Securities gains (losses)$03,575
Applicable income taxes$4,0004,560
Income before extraordinary items$2,740,0001,603
Extraordinary gains, net$020
Net income$2,740,0001,604
Minority interest net income$086
Net income of bank and minority interests.$2,740,0001,604
Net charge-offs$74,0004,249
Cash dividends$1,650,000926
Sale, conversion, retirement of capital stock, net$0952
Net operating income$2,740,0001,519
2012-06-30 (YTD Data)Rank
Total interest income$4,771,0002,762
Total interest expense$467,0003,986
Net interest income$4,304,0002,527
Provision for loan and lease losses$318,0002,332
Total noninterest income$1,205,0001,903
Gross Fiduciary activities income$122,000750
Service charges on deposit accounts$460,0001,520
Trading account gains and fees$0153
Additional Noninterest Income$623,0002,057
Total noninterest expense$3,413,0002,742
Salaries and employee benefits$1,845,0002,674
Premises and equipment expense$283,0003,566
Additional noninterest expense$1,285,0002,514
Pre-tax net operating income$1,778,0001,844
Securities gains (losses)$03,178
Applicable income taxes$2,0004,564
Income before extraordinary items$1,776,0001,641
Extraordinary gains, net$019
Net income$1,776,0001,640
Minority interest net income$084
Net income of bank and minority interests.$1,776,0001,641
Net charge-offs$69,0003,752
Cash dividends$1,100,000893
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,776,0001,557
2012-03-31 (YTD Data)Rank
Total interest income$2,383,0002,802
Total interest expense$240,0004,023
Net interest income$2,143,0002,549
Provision for loan and lease losses$167,0002,198
Total noninterest income$567,0001,984
Gross Fiduciary activities income$62,000751
Service charges on deposit accounts$223,0001,556
Trading account gains and fees$0148
Additional Noninterest Income$282,0002,187
Total noninterest expense$1,670,0002,793
Salaries and employee benefits$930,0002,671
Premises and equipment expense$142,0003,600
Additional noninterest expense$598,0002,672
Pre-tax net operating income$873,0001,886
Securities gains (losses)$02,210
Applicable income taxes$1,0004,577
Income before extraordinary items$872,0001,666
Extraordinary gains, net$019
Net income$872,0001,667
Minority interest net income$078
Net income of bank and minority interests.$872,0001,667
Net charge-offs$57,0002,915
Cash dividends$550,000801
Sale, conversion, retirement of capital stock, net$0861
Net operating income$872,0001,565
2011-12-31 (YTD Data)Rank
Total interest income$9,787,0002,803
Total interest expense$1,256,0003,857
Net interest income$8,531,0002,566
Provision for loan and lease losses$1,050,0002,344
Total noninterest income$2,647,0001,651
Gross Fiduciary activities income$219,000723
Service charges on deposit accounts$1,005,0001,473
Trading account gains and fees$0146
Additional Noninterest Income$1,423,0001,706
Total noninterest expense$6,675,0002,770
Salaries and employee benefits$3,736,0002,566
Premises and equipment expense$511,0003,979
Additional noninterest expense$2,428,0002,637
Pre-tax net operating income$3,453,0001,620
Securities gains (losses)$89,0002,157
Applicable income taxes$04,719
Income before extraordinary items$3,542,0001,384
Extraordinary gains, net$029
Net income$3,542,0001,384
Minority interest net income$096
Net income of bank and minority interests.$3,542,0001,384
Net charge-offs$1,057,0002,292
Cash dividends$3,226,000625
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$3,453,0001,352
2011-09-30 (YTD Data)Rank
Total interest income$7,361,0002,830
Total interest expense$977,0003,882
Net interest income$6,384,0002,588
Provision for loan and lease losses$673,0002,504
Total noninterest income$1,892,0001,676
Gross Fiduciary activities income$165,000715
Service charges on deposit accounts$763,0001,466
Trading account gains and fees$0145
Additional Noninterest Income$964,0001,813
Total noninterest expense$4,847,0002,871
Salaries and employee benefits$2,722,0002,652
Premises and equipment expense$372,0004,106
Additional noninterest expense$1,753,0002,736
Pre-tax net operating income$2,756,0001,598
Securities gains (losses)$59,0002,223
Applicable income taxes$4,0004,473
Income before extraordinary items$2,811,0001,374
Extraordinary gains, net$021
Net income$2,811,0001,374
Minority interest net income$087
Net income of bank and minority interests.$2,811,0001,374
Net charge-offs$641,0002,394
Cash dividends$1,650,000767
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,752,0001,320
2011-06-30 (YTD Data)Rank
Total interest income$4,875,0002,872
Total interest expense$666,0003,936
Net interest income$4,209,0002,621
Provision for loan and lease losses$446,0002,476
Total noninterest income$1,323,0001,621
Gross Fiduciary activities income$107,000730
Service charges on deposit accounts$494,0001,478
Trading account gains and fees$0153
Additional Noninterest Income$722,0001,686
Total noninterest expense$3,206,0002,915
Salaries and employee benefits$1,806,0002,684
Premises and equipment expense$245,0004,168
Additional noninterest expense$1,155,0002,823
Pre-tax net operating income$1,880,0001,537
Securities gains (losses)$02,914
Applicable income taxes$3,0004,420
Income before extraordinary items$1,877,0001,338
Extraordinary gains, net$015
Net income$1,877,0001,338
Minority interest net income$089
Net income of bank and minority interests.$1,877,0001,338
Net charge-offs$217,0003,023
Cash dividends$1,100,000742
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,877,0001,269
2011-03-31 (YTD Data)Rank
Total interest income$2,471,0002,857
Total interest expense$346,0003,948
Net interest income$2,125,0002,582
Provision for loan and lease losses$222,0002,334
Total noninterest income$714,0001,551
Gross Fiduciary activities income$52,000746
Service charges on deposit accounts$246,0001,454
Trading account gains and fees$0158
Additional Noninterest Income$416,0001,531
Total noninterest expense$1,584,0002,958
Salaries and employee benefits$902,0002,692
Premises and equipment expense$126,0004,142
Additional noninterest expense$556,0002,920
Pre-tax net operating income$1,033,0001,397
Securities gains (losses)$01,772
Applicable income taxes$2,0004,282
Income before extraordinary items$1,031,0001,191
Extraordinary gains, net$09
Net income$1,031,0001,191
Minority interest net income$086
Net income of bank and minority interests.$1,031,0001,191
Net charge-offs$29,0003,798
Cash dividends$550,000674
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,031,0001,157
2010-12-31 (YTD Data)Rank
Total interest income$10,640,0002,805
Total interest expense$1,569,0004,156
Net interest income$9,071,0002,408
Provision for loan and lease losses$1,300,0002,658
Total noninterest income$2,147,0001,987
Gross Fiduciary activities income$204,000758
Service charges on deposit accounts$1,089,0001,399
Trading account gains and fees$0175
Additional Noninterest Income$854,0002,407
Total noninterest expense$6,415,0002,937
Salaries and employee benefits$3,502,0002,727
Premises and equipment expense$487,0004,251
Additional noninterest expense$2,426,0002,750
Pre-tax net operating income$3,503,0001,423
Securities gains (losses)$1,0003,687
Applicable income taxes$1,0004,548
Income before extraordinary items$3,503,0001,220
Extraordinary gains, net$029
Net income$3,503,0001,222
Minority interest net income$0111
Net income of bank and minority interests.$3,503,0001,223
Net charge-offs$1,130,0002,518
Cash dividends$3,060,000536
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$3,502,0001,181
2010-09-30 (YTD Data)Rank
Total interest income$7,845,0002,895
Total interest expense$1,209,0004,232
Net interest income$6,636,0002,506
Provision for loan and lease losses$773,0002,902
Total noninterest income$1,611,0001,990
Gross Fiduciary activities income$153,000748
Service charges on deposit accounts$822,0001,428
Trading account gains and fees$0165
Additional Noninterest Income$636,0002,407
Total noninterest expense$4,964,0002,861
Salaries and employee benefits$2,683,0002,681
Premises and equipment expense$370,0004,272
Additional noninterest expense$1,911,0002,584
Pre-tax net operating income$2,510,0001,568
Securities gains (losses)$1,0003,533
Applicable income taxes$9,0004,274
Income before extraordinary items$2,502,0001,328
Extraordinary gains, net$023
Net income$2,502,0001,332
Minority interest net income$0110
Net income of bank and minority interests.$2,502,0001,332
Net charge-offs$598,0002,831
Cash dividends$1,660,000649
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$2,501,0001,287
2010-06-30 (YTD Data)Rank
Total interest income$5,279,0002,908
Total interest expense$838,0004,231
Net interest income$4,441,0002,494
Provision for loan and lease losses$546,0002,739
Total noninterest income$1,070,0001,955
Gross Fiduciary activities income$98,000761
Service charges on deposit accounts$558,0001,410
Trading account gains and fees$0152
Additional Noninterest Income$414,0002,369
Total noninterest expense$3,246,0002,910
Salaries and employee benefits$1,805,0002,677
Premises and equipment expense$227,0004,543
Additional noninterest expense$1,214,0002,688
Pre-tax net operating income$1,719,0001,513
Securities gains (losses)$1,0003,060
Applicable income taxes$6,0004,252
Income before extraordinary items$1,714,0001,291
Extraordinary gains, net$019
Net income$1,714,0001,292
Minority interest net income$0105
Net income of bank and minority interests.$1,714,0001,292
Net charge-offs$518,0002,403
Cash dividends$1,110,000634
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,713,0001,249
2010-03-31 (YTD Data)Rank
Total interest income$2,580,0003,015
Total interest expense$429,0004,307
Net interest income$2,151,0002,609
Provision for loan and lease losses$222,0002,871
Total noninterest income$524,0001,969
Gross Fiduciary activities income$48,000775
Service charges on deposit accounts$273,0001,437
Trading account gains and fees$0175
Additional Noninterest Income$203,0002,370
Total noninterest expense$1,577,0003,018
Salaries and employee benefits$893,0002,744
Premises and equipment expense$120,0004,460
Additional noninterest expense$564,0002,864
Pre-tax net operating income$876,0001,493
Securities gains (losses)$02,284
Applicable income taxes$4,0004,179
Income before extraordinary items$872,0001,253
Extraordinary gains, net$016
Net income$872,0001,256
Minority interest net income$091
Net income of bank and minority interests.$872,0001,255
Net charge-offs$40,0003,918
Cash dividends$550,000607
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$872,0001,221
2009-12-31 (YTD Data)Rank
Total interest income$11,111,0002,942
Total interest expense$2,229,0004,171
Net interest income$8,882,0002,444
Provision for loan and lease losses$896,0003,674
Total noninterest income$2,066,0002,082
Gross Fiduciary activities income$171,000792
Service charges on deposit accounts$1,121,0001,512
Trading account gains and fees$0211
Additional Noninterest Income$774,0002,510
Total noninterest expense$6,573,0002,955
Salaries and employee benefits$3,620,0002,698
Premises and equipment expense$496,0004,398
Additional noninterest expense$2,457,0002,787
Pre-tax net operating income$3,479,0001,164
Securities gains (losses)$28,0002,908
Applicable income taxes$2,0004,160
Income before extraordinary items$3,505,000971
Extraordinary gains, net$034
Net income$3,505,000970
Minority interest net income$0115
Net income of bank and minority interests.$3,505,000970
Net charge-offs$157,0005,278
Cash dividends$3,320,000524
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$3,477,000977
2009-09-30 (YTD Data)Rank
Total interest income$8,453,0002,957
Total interest expense$1,765,0004,179
Net interest income$6,688,0002,436
Provision for loan and lease losses$633,0003,448
Total noninterest income$1,543,0002,126
Gross Fiduciary activities income$125,000793
Service charges on deposit accounts$833,0001,533
Trading account gains and fees$0212
Additional Noninterest Income$585,0002,562
Total noninterest expense$4,798,0003,027
Salaries and employee benefits$2,673,0002,758
Premises and equipment expense$371,0004,453
Additional noninterest expense$1,754,0002,873
Pre-tax net operating income$2,800,0001,163
Securities gains (losses)$28,0002,601
Applicable income taxes$22,0003,755
Income before extraordinary items$2,806,000965
Extraordinary gains, net$027
Net income$2,806,000965
Minority interest net income$0118
Net income of bank and minority interests.$2,806,000966
Net charge-offs$76,0005,315
Cash dividends$2,400,000525
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,778,280959
2009-06-30 (YTD Data)Rank
Total interest income$5,649,0002,979
Total interest expense$1,266,0004,106
Net interest income$4,383,0002,464
Provision for loan and lease losses$279,0003,851
Total noninterest income$1,063,0002,084
Gross Fiduciary activities income$82,000806
Service charges on deposit accounts$547,0001,529
Trading account gains and fees$0193
Additional Noninterest Income$434,0002,430
Total noninterest expense$3,268,0002,994
Salaries and employee benefits$1,775,0002,811
Premises and equipment expense$283,0004,106
Additional noninterest expense$1,210,0002,804
Pre-tax net operating income$1,899,0001,207
Securities gains (losses)$28,0002,194
Applicable income taxes$15,0003,839
Income before extraordinary items$1,912,000993
Extraordinary gains, net$021
Net income$1,912,000993
Minority interest net income$0112
Net income of bank and minority interests.$1,912,000993
Net charge-offs$24,0005,489
Cash dividends$1,600,000550
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,884,280981
2009-03-31 (YTD Data)Rank
Total interest income$2,857,0002,985
Total interest expense$680,0004,025
Net interest income$2,177,0002,480
Provision for loan and lease losses$128,0003,516
Total noninterest income$533,0002,032
Gross Fiduciary activities income$43,000802
Service charges on deposit accounts$258,0001,574
Trading account gains and fees$0171
Additional Noninterest Income$232,0002,304
Total noninterest expense$1,591,0002,980
Salaries and employee benefits$895,0002,825
Premises and equipment expense$140,0004,182
Additional noninterest expense$556,0002,741
Pre-tax net operating income$991,0001,296
Securities gains (losses)$02,434
Applicable income taxes$7,0004,167
Income before extraordinary items$984,0001,110
Extraordinary gains, net$015
Net income$984,0001,112
Minority interest net income$0102
Net income of bank and minority interests.$984,0001,112
Net charge-offs$19,0004,361
Cash dividends$800,000562
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$984,0001,029
2008-12-31 (YTD Data)Rank
Total interest income$12,051,0003,028
Total interest expense$3,510,0003,837
Net interest income$8,541,0002,539
Provision for loan and lease losses$580,0003,572
Total noninterest income$2,627,0001,744
Gross Fiduciary activities income$281,000709
Service charges on deposit accounts$1,266,0001,418
Trading account gains and fees$0154
Additional Noninterest Income$1,080,0002,019
Total noninterest expense$6,494,0002,868
Salaries and employee benefits$3,677,0002,701
Premises and equipment expense$654,0003,674
Additional noninterest expense$2,163,0002,665
Pre-tax net operating income$4,094,0001,335
Securities gains (losses)$98,0001,139
Applicable income taxes$44,0003,914
Income before extraordinary items$4,148,000993
Extraordinary gains, net$039
Net income$4,148,000993
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$177,0004,260
Cash dividends$4,018,000685
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$4,050,9801,101
2008-09-30 (YTD Data)Rank
Total interest income$9,198,0003,042
Total interest expense$2,772,0003,811
Net interest income$6,426,0002,559
Provision for loan and lease losses$285,0003,641
Total noninterest income$1,970,0001,790
Gross Fiduciary activities income$224,000688
Service charges on deposit accounts$952,0001,428
Trading account gains and fees$0148
Additional Noninterest Income$794,0002,131
Total noninterest expense$4,751,0002,906
Salaries and employee benefits$2,693,0002,783
Premises and equipment expense$439,0004,014
Additional noninterest expense$1,619,0002,593
Pre-tax net operating income$3,360,0001,459
Securities gains (losses)$98,000981
Applicable income taxes$23,0004,535
Income before extraordinary items$3,435,0001,080
Extraordinary gains, net$031
Net income$3,435,0001,079
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0005,222
Cash dividends$1,898,0001,090
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,337,9801,188
2008-06-30 (YTD Data)Rank
Total interest income$6,222,0003,054
Total interest expense$1,996,0003,752
Net interest income$4,226,0002,585
Provision for loan and lease losses$240,0002,857
Total noninterest income$1,352,0001,776
Gross Fiduciary activities income$163,000675
Service charges on deposit accounts$639,0001,401
Trading account gains and fees$0149
Additional Noninterest Income$550,0002,102
Total noninterest expense$3,103,0002,963
Salaries and employee benefits$1,797,0002,814
Premises and equipment expense$274,0004,247
Additional noninterest expense$1,032,0002,676
Pre-tax net operating income$2,235,0001,523
Securities gains (losses)$98,000979
Applicable income taxes$5,0005,215
Income before extraordinary items$2,328,0001,186
Extraordinary gains, net$021
Net income$2,328,0001,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0004,260
Cash dividends$1,278,0001,146
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,230,0001,227
2008-03-31 (YTD Data)Rank
Total interest income$3,203,0003,037
Total interest expense$1,106,0003,648
Net interest income$2,097,0002,601
Provision for loan and lease losses$45,0003,899
Total noninterest income$659,0001,824
Gross Fiduciary activities income$60,000772
Service charges on deposit accounts$297,0001,470
Trading account gains and fees$0158
Additional Noninterest Income$302,0001,962
Total noninterest expense$1,525,0003,010
Salaries and employee benefits$891,0002,858
Premises and equipment expense$143,0004,131
Additional noninterest expense$491,0002,764
Pre-tax net operating income$1,186,0001,537
Securities gains (losses)$17,0001,682
Applicable income taxes$2,0005,366
Income before extraordinary items$1,201,0001,252
Extraordinary gains, net$015
Net income$1,201,0001,255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,724
Cash dividends$658,0001,077
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,184,0001,235
2007-12-31 (YTD Data)Rank
Total interest income$13,183,0003,024
Total interest expense$4,826,0003,553
Net interest income$8,357,0002,618
Provision for loan and lease losses$85,0005,129
Total noninterest income$2,224,0002,063
Gross Fiduciary activities income$215,000789
Service charges on deposit accounts$1,052,0001,696
Trading account gains and fees$0178
Additional Noninterest Income$957,0002,279
Total noninterest expense$6,305,0002,836
Salaries and employee benefits$3,651,0002,699
Premises and equipment expense$552,0004,076
Additional noninterest expense$2,102,0002,543
Pre-tax net operating income$4,191,0001,904
Securities gains (losses)$-91,0008,128
Applicable income taxes$9,0005,664
Income before extraordinary items$4,091,0001,557
Extraordinary gains, net$039
Net income$4,091,0001,557
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,852
Cash dividends$3,746,000982
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$4,182,0001,500
2007-09-30 (YTD Data)Rank
Total interest income$9,919,0003,004
Total interest expense$3,602,0003,562
Net interest income$6,317,0002,614
Provision for loan and lease losses$85,0004,429
Total noninterest income$1,620,0002,105
Gross Fiduciary activities income$155,000793
Service charges on deposit accounts$796,0001,662
Trading account gains and fees$0184
Additional Noninterest Income$669,0002,396
Total noninterest expense$4,767,0002,781
Salaries and employee benefits$2,706,0002,717
Premises and equipment expense$460,0003,780
Additional noninterest expense$1,601,0002,466
Pre-tax net operating income$3,085,0002,051
Securities gains (losses)$01,655
Applicable income taxes$18,0005,533
Income before extraordinary items$3,067,0001,649
Extraordinary gains, net$033
Net income$3,067,0001,648
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0004,289
Cash dividends$1,834,0001,305
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,067,0001,637
2007-06-30 (YTD Data)Rank
Total interest income$6,237,0003,187
Total interest expense$2,359,0003,609
Net interest income$3,878,0002,836
Provision for loan and lease losses$60,0003,990
Total noninterest income$1,070,0002,130
Gross Fiduciary activities income$100,000815
Service charges on deposit accounts$526,0001,673
Trading account gains and fees$0168
Additional Noninterest Income$444,0002,430
Total noninterest expense$3,148,0002,843
Salaries and employee benefits$1,775,0002,794
Premises and equipment expense$302,0003,837
Additional noninterest expense$1,071,0002,473
Pre-tax net operating income$1,740,0002,407
Securities gains (losses)$01,444
Applicable income taxes$12,0005,584
Income before extraordinary items$1,728,0001,989
Extraordinary gains, net$029
Net income$1,728,0001,989
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0002,314
Cash dividends$1,178,0001,365
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,728,0001,970
2007-03-31 (YTD Data)Rank
Total interest income$3,096,0003,200
Total interest expense$1,155,0003,633
Net interest income$1,941,0002,836
Provision for loan and lease losses$30,0003,737
Total noninterest income$547,0002,084
Gross Fiduciary activities income$49,000817
Service charges on deposit accounts$257,0001,673
Trading account gains and fees$0195
Additional Noninterest Income$241,0002,270
Total noninterest expense$1,548,0002,897
Salaries and employee benefits$884,0002,828
Premises and equipment expense$141,0004,032
Additional noninterest expense$523,0002,518
Pre-tax net operating income$910,0002,321
Securities gains (losses)$01,187
Applicable income taxes$6,0005,609
Income before extraordinary items$904,0001,860
Extraordinary gains, net$022
Net income$904,0001,860
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0001,372
Cash dividends$530,0001,325
Sale, conversion, retirement of capital stock, net$0885
Net operating income$904,0001,853
2006-12-31 (YTD Data)Rank
Total interest income$11,419,0003,227
Total interest expense$3,753,0003,745
Net interest income$7,666,0002,866
Provision for loan and lease losses$304,0002,734
Total noninterest income$2,041,0002,189
Gross Fiduciary activities income$220,000777
Service charges on deposit accounts$1,101,0001,604
Trading account gains and fees$0130
Additional Noninterest Income$720,0002,731
Total noninterest expense$6,140,0002,821
Salaries and employee benefits$3,533,0002,718
Premises and equipment expense$728,0003,234
Additional noninterest expense$1,879,0002,715
Pre-tax net operating income$3,263,0002,628
Securities gains (losses)$1,0001,542
Applicable income taxes$19,0005,938
Income before extraordinary items$3,245,0002,138
Extraordinary gains, net$051
Net income$3,245,0002,139
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$338,0001,526
Cash dividends$2,518,0001,284
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$3,244,0102,128
2006-09-30 (YTD Data)Rank
Total interest income$8,339,0003,269
Total interest expense$2,619,0003,842
Net interest income$5,720,0002,902
Provision for loan and lease losses$228,0002,586
Total noninterest income$1,550,0002,175
Gross Fiduciary activities income$163,000773
Service charges on deposit accounts$816,0001,630
Trading account gains and fees$0126
Additional Noninterest Income$571,0002,663
Total noninterest expense$4,560,0002,838
Salaries and employee benefits$2,619,0002,736
Premises and equipment expense$555,0003,195
Additional noninterest expense$1,386,0002,737
Pre-tax net operating income$2,482,0002,668
Securities gains (losses)$1,0001,261
Applicable income taxes$31,0005,736
Income before extraordinary items$2,452,0002,182
Extraordinary gains, net$045
Net income$2,452,0002,184
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$246,0001,321
Cash dividends$1,278,0001,643
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$2,451,0102,169
2006-06-30 (YTD Data)Rank
Total interest income$3,659,0004,370
Total interest expense$1,085,0005,006
Net interest income$2,574,0003,962
Provision for loan and lease losses$30,0004,987
Total noninterest income$843,0002,509
Gross Fiduciary activities income$111,000783
Service charges on deposit accounts$362,0002,281
Trading account gains and fees$0126
Additional Noninterest Income$370,0002,675
Total noninterest expense$2,162,0003,747
Salaries and employee benefits$1,301,0003,521
Premises and equipment expense$224,0004,589
Additional noninterest expense$637,0003,744
Pre-tax net operating income$1,225,0003,311
Securities gains (losses)$1,0001,053
Applicable income taxes$12,0006,049
Income before extraordinary items$1,214,0002,773
Extraordinary gains, net$039
Net income$1,214,0002,775
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0003,558
Cash dividends$852,0001,635
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,213,0102,763
2006-03-31 (YTD Data)Rank
Total interest income$1,798,0004,384
Total interest expense$510,0005,062
Net interest income$1,288,0003,964
Provision for loan and lease losses$15,0004,758
Total noninterest income$431,0002,430
Gross Fiduciary activities income$59,000778
Service charges on deposit accounts$176,0002,265
Trading account gains and fees$0115
Additional Noninterest Income$196,0002,526
Total noninterest expense$1,080,0003,778
Salaries and employee benefits$656,0003,513
Premises and equipment expense$107,0004,746
Additional noninterest expense$317,0003,738
Pre-tax net operating income$624,0003,223
Securities gains (losses)$0955
Applicable income taxes$6,0006,016
Income before extraordinary items$618,0002,684
Extraordinary gains, net$021
Net income$618,0002,684
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0002,493
Cash dividends$426,0001,534
Sale, conversion, retirement of capital stock, net$0648
Net operating income$618,0002,667
2005-12-31 (YTD Data)Rank
Total interest income$6,734,0004,260
Total interest expense$1,459,0005,288
Net interest income$5,275,0003,805
Provision for loan and lease losses$61,0005,436
Total noninterest income$1,544,0002,639
Gross Fiduciary activities income$196,000806
Service charges on deposit accounts$798,0002,106
Trading account gains and fees$0138
Additional Noninterest Income$550,0003,211
Total noninterest expense$4,163,0003,749
Salaries and employee benefits$2,564,0003,412
Premises and equipment expense$404,0004,824
Additional noninterest expense$1,195,0003,883
Pre-tax net operating income$2,595,0003,098
Securities gains (losses)$02,296
Applicable income taxes$5,0006,664
Income before extraordinary items$2,590,0002,528
Extraordinary gains, net$046
Net income$2,590,0002,528
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$124,0003,001
Cash dividends$2,458,0001,243
Sale, conversion, retirement of capital stock, net$0934
Net operating income$2,590,0002,499
2005-09-30 (YTD Data)Rank
Total interest income$4,963,0004,268
Total interest expense$986,0005,474
Net interest income$3,977,0003,780
Provision for loan and lease losses$46,0005,297
Total noninterest income$1,167,0002,632
Gross Fiduciary activities income$144,000799
Service charges on deposit accounts$600,0002,106
Trading account gains and fees$0126
Additional Noninterest Income$423,0003,183
Total noninterest expense$3,061,0003,780
Salaries and employee benefits$1,896,0003,434
Premises and equipment expense$306,0004,774
Additional noninterest expense$859,0003,958
Pre-tax net operating income$2,037,0003,013
Securities gains (losses)$02,317
Applicable income taxes$27,0006,133
Income before extraordinary items$2,010,0002,476
Extraordinary gains, net$035
Net income$2,010,0002,476
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0003,970
Cash dividends$1,278,0001,507
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,010,0002,448
2005-06-30 (YTD Data)Rank
Total interest income$3,227,0004,271
Total interest expense$582,0005,643
Net interest income$2,645,0003,752
Provision for loan and lease losses$30,0005,130
Total noninterest income$781,0002,587
Gross Fiduciary activities income$95,000811
Service charges on deposit accounts$397,0002,082
Trading account gains and fees$0116
Additional Noninterest Income$289,0003,139
Total noninterest expense$2,033,0003,767
Salaries and employee benefits$1,260,0003,414
Premises and equipment expense$202,0004,786
Additional noninterest expense$571,0003,951
Pre-tax net operating income$1,363,0002,953
Securities gains (losses)$02,146
Applicable income taxes$18,0006,142
Income before extraordinary items$1,345,0002,407
Extraordinary gains, net$030
Net income$1,345,0002,407
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0004,392
Cash dividends$852,0001,499
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,345,0002,381
2005-03-31 (YTD Data)Rank
Total interest income$1,570,0004,333
Total interest expense$272,0005,747
Net interest income$1,298,0003,801
Provision for loan and lease losses$15,0004,875
Total noninterest income$382,0002,578
Gross Fiduciary activities income$46,000829
Service charges on deposit accounts$182,0002,178
Trading account gains and fees$0115
Additional Noninterest Income$154,0002,929
Total noninterest expense$1,001,0003,843
Salaries and employee benefits$627,0003,444
Premises and equipment expense$102,0004,794
Additional noninterest expense$272,0004,102
Pre-tax net operating income$664,0002,985
Securities gains (losses)$01,685
Applicable income taxes$9,0006,134
Income before extraordinary items$655,0002,438
Extraordinary gains, net$024
Net income$655,0002,439
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0004,232
Cash dividends$426,0001,395
Sale, conversion, retirement of capital stock, net$0491
Net operating income$655,0002,401
2004-12-31 (YTD Data)Rank
Total interest income$6,058,0004,235
Total interest expense$937,0005,847
Net interest income$5,121,0003,746
Provision for loan and lease losses$134,0004,450
Total noninterest income$1,453,0002,744
Gross Fiduciary activities income$164,000837
Service charges on deposit accounts$813,0002,110
Trading account gains and fees$0138
Additional Noninterest Income$476,0003,404
Total noninterest expense$3,989,0003,755
Salaries and employee benefits$2,411,0003,447
Premises and equipment expense$402,0004,744
Additional noninterest expense$1,176,0003,819
Pre-tax net operating income$2,451,0003,058
Securities gains (losses)$3,0003,369
Applicable income taxes$14,0006,668
Income before extraordinary items$2,440,0002,475
Extraordinary gains, net$034
Net income$2,440,0002,477
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,177
Cash dividends$2,209,0001,240
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,437,0302,429
2004-09-30 (YTD Data)Rank
Total interest income$4,486,0004,256
Total interest expense$682,0005,898
Net interest income$3,804,0003,746
Provision for loan and lease losses$113,0004,082
Total noninterest income$1,088,0002,759
Gross Fiduciary activities income$119,000837
Service charges on deposit accounts$621,0002,100
Trading account gains and fees$0134
Additional Noninterest Income$348,0003,445
Total noninterest expense$2,921,0003,793
Salaries and employee benefits$1,806,0003,416
Premises and equipment expense$303,0004,720
Additional noninterest expense$812,0004,042
Pre-tax net operating income$1,858,0003,063
Securities gains (losses)$03,710
Applicable income taxes$11,0006,758
Income before extraordinary items$1,847,0002,502
Extraordinary gains, net$026
Net income$1,847,0002,505
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0004,426
Cash dividends$1,278,0001,430
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,847,0002,434
2004-06-30 (YTD Data)Rank
Total interest income$2,967,0004,287
Total interest expense$452,0005,939
Net interest income$2,515,0003,763
Provision for loan and lease losses$75,0003,988
Total noninterest income$691,0002,858
Gross Fiduciary activities income$78,000845
Service charges on deposit accounts$393,0002,179
Trading account gains and fees$0130
Additional Noninterest Income$220,0003,559
Total noninterest expense$1,932,0003,844
Salaries and employee benefits$1,213,0003,412
Premises and equipment expense$195,0004,840
Additional noninterest expense$524,0004,164
Pre-tax net operating income$1,199,0003,111
Securities gains (losses)$03,413
Applicable income taxes$2,0007,043
Income before extraordinary items$1,197,0002,530
Extraordinary gains, net$021
Net income$1,197,0002,531
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,878
Cash dividends$852,0001,460
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,197,0002,462
2004-03-31 (YTD Data)Rank
Total interest income$1,507,0004,241
Total interest expense$235,0005,876
Net interest income$1,272,0003,708
Provision for loan and lease losses$37,0003,840
Total noninterest income$319,0002,978
Gross Fiduciary activities income$38,000867
Service charges on deposit accounts$175,0002,340
Trading account gains and fees$0121
Additional Noninterest Income$106,0003,585
Total noninterest expense$977,0003,831
Salaries and employee benefits$610,0003,408
Premises and equipment expense$94,0005,013
Additional noninterest expense$273,0004,037
Pre-tax net operating income$577,0003,178
Securities gains (losses)$02,934
Applicable income taxes$1,0006,972
Income before extraordinary items$576,0002,600
Extraordinary gains, net$016
Net income$576,0002,601
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0004,263
Cash dividends$426,0001,385
Sale, conversion, retirement of capital stock, net$0464
Net operating income$576,0002,510
2003-12-31 (YTD Data)Rank
Total interest income$6,383,0004,116
Total interest expense$1,169,0005,651
Net interest income$5,214,0003,573
Provision for loan and lease losses$150,0004,567
Total noninterest income$1,213,0003,279
Gross Fiduciary activities income$137,000899
Service charges on deposit accounts$733,0002,268
Trading account gains and fees$0160
Additional Noninterest Income$343,0004,253
Total noninterest expense$3,835,0003,832
Salaries and employee benefits$2,358,0003,424
Premises and equipment expense$380,0004,919
Additional noninterest expense$1,097,0003,981
Pre-tax net operating income$2,442,0002,939
Securities gains (losses)$04,500
Applicable income taxes$18,0006,842
Income before extraordinary items$2,424,0002,433
Extraordinary gains, net$054
Net income$2,424,0002,436
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$182,0003,031
Cash dividends$2,278,0001,247
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,424,0002,325
2003-09-30 (YTD Data)Rank
Total interest income$4,820,0004,135
Total interest expense$920,0005,639
Net interest income$3,900,0003,601
Provision for loan and lease losses$112,0004,473
Total noninterest income$904,0003,358
Gross Fiduciary activities income$104,000896
Service charges on deposit accounts$540,0002,320
Trading account gains and fees$0153
Additional Noninterest Income$260,0004,307
Total noninterest expense$2,878,0003,823
Salaries and employee benefits$1,771,0003,404
Premises and equipment expense$282,0004,933
Additional noninterest expense$825,0003,974
Pre-tax net operating income$1,814,0003,059
Securities gains (losses)$04,204
Applicable income taxes$9,0007,107
Income before extraordinary items$1,805,0002,562
Extraordinary gains, net$040
Net income$1,805,0002,560
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0003,953
Cash dividends$1,278,0001,455
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,805,0002,433
2003-06-30 (YTD Data)Rank
Total interest income$3,228,0004,163
Total interest expense$653,0005,557
Net interest income$2,575,0003,620
Provision for loan and lease losses$74,0004,459
Total noninterest income$592,0003,378
Gross Fiduciary activities income$70,000905
Service charges on deposit accounts$351,0002,342
Trading account gains and fees$0150
Additional Noninterest Income$171,0004,325
Total noninterest expense$1,933,0003,799
Salaries and employee benefits$1,199,0003,358
Premises and equipment expense$192,0004,823
Additional noninterest expense$542,0003,997
Pre-tax net operating income$1,160,0003,161
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$1,160,0002,659
Extraordinary gains, net$030
Net income$1,160,0002,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0004,131
Cash dividends$852,0001,506
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,160,0002,504
2003-03-31 (YTD Data)Rank
Total interest income$1,614,0004,201
Total interest expense$344,0005,493
Net interest income$1,270,0003,648
Provision for loan and lease losses$37,0004,214
Total noninterest income$290,0003,324
Gross Fiduciary activities income$35,000910
Service charges on deposit accounts$174,0002,278
Trading account gains and fees$0134
Additional Noninterest Income$81,0004,308
Total noninterest expense$957,0003,805
Salaries and employee benefits$602,0003,358
Premises and equipment expense$91,0005,012
Additional noninterest expense$264,0004,045
Pre-tax net operating income$566,0003,210
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$566,0002,672
Extraordinary gains, net$021
Net income$566,0002,669
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0003,340
Cash dividends$426,0001,393
Sale, conversion, retirement of capital stock, net$0419
Net operating income$566,0002,537
2002-12-31 (YTD Data)Rank
Total interest income$7,056,0004,018
Total interest expense$1,715,0005,297
Net interest income$5,341,0003,468
Provision for loan and lease losses$185,0004,507
Total noninterest income$1,191,0003,094
Gross Fiduciary activities income$108,000976
Service charges on deposit accounts$715,0002,217
Trading account gains and fees$0153
Additional Noninterest Income$368,0003,840
Total noninterest expense$3,870,0003,650
Salaries and employee benefits$2,324,0003,325
Premises and equipment expense$375,0004,865
Additional noninterest expense$1,171,0003,677
Pre-tax net operating income$2,477,0002,900
Securities gains (losses)$101,0001,743
Applicable income taxes$24,0006,951
Income before extraordinary items$2,554,0002,311
Extraordinary gains, net$070
Net income$2,554,0002,311
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,491
Cash dividends$2,318,0001,162
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,454,0102,310
2001-12-31 (YTD Data)Rank
Total interest income$8,396,0003,862
Total interest expense$3,011,0004,719
Net interest income$5,385,0003,234
Provision for loan and lease losses$147,0004,839
Total noninterest income$1,173,0002,972
Gross Fiduciary activities income$116,000965
Service charges on deposit accounts$672,0002,229
Trading account gains and fees$0177
Additional Noninterest Income$385,0003,616
Total noninterest expense$3,641,0003,710
Salaries and employee benefits$2,148,0003,383
Premises and equipment expense$389,0004,678
Additional noninterest expense$1,104,0003,753
Pre-tax net operating income$2,770,0002,446
Securities gains (losses)$26,0002,933
Applicable income taxes$86,0006,180
Income before extraordinary items$2,710,0001,935
Extraordinary gains, net$0105
Net income$2,710,0001,940
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,735
Cash dividends$2,400,0001,122
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,684,7801,877
2000-12-31 (YTD Data)Rank
Total interest income$8,798,0003,796
Total interest expense$3,671,0004,246
Net interest income$5,127,0003,399
Provision for loan and lease losses$60,0006,179
Total noninterest income$999,0003,133
Gross Fiduciary activities income$106,000932
Service charges on deposit accounts$547,0002,481
Trading account gains and fees$0180
Additional Noninterest Income$346,0003,640
Total noninterest expense$3,417,0003,784
Salaries and employee benefits$1,877,0003,653
Premises and equipment expense$418,0004,362
Additional noninterest expense$1,122,0003,644
Pre-tax net operating income$2,649,0002,634
Securities gains (losses)$-13,0008,489
Applicable income taxes$-71,0009,536
Income before extraordinary items$2,707,0001,926
Extraordinary gains, net$038
Net income$2,707,0001,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$169,0002,671
Cash dividends$2,340,0001,180
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,720,0001,916
1999-12-31 (YTD Data)Rank
Total interest income$8,174,0003,836
Total interest expense$2,999,0004,608
Net interest income$5,175,0003,352
Provision for loan and lease losses$25,0007,415
Total noninterest income$1,037,0003,005
Gross Fiduciary activities income$220,000845
Service charges on deposit accounts$511,0002,580
Trading account gains and fees$0173
Additional Noninterest Income$306,0003,975
Total noninterest expense$3,382,0003,804
Salaries and employee benefits$1,987,0003,460
Premises and equipment expense$382,0004,682
Additional noninterest expense$1,013,0003,986
Pre-tax net operating income$2,805,0002,546
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$2,805,0001,894
Extraordinary gains, net$035
Net income$2,805,0001,895
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,344
Cash dividends$2,520,0001,119
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,805,0001,863
1998-12-31 (YTD Data)Rank
Total interest income$7,932,0003,966
Total interest expense$3,184,0004,494
Net interest income$4,748,0003,572
Provision for loan and lease losses$08,652
Total noninterest income$874,0003,383
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$475,0002,671
Trading account gains and feesNANA
Additional Noninterest Income$399,0003,451
Total noninterest expense$3,071,0004,032
Salaries and employee benefits$1,787,0003,693
Premises and equipment expense$361,0004,778
Additional noninterest expense$923,0004,208
Pre-tax net operating income$2,551,0002,730
Securities gains (losses)$04,449
Applicable income taxes$118,0007,272
Income before extraordinary items$2,433,0002,144
Extraordinary gains, net$032
Net income$2,433,0002,142
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0004,568
Cash dividends$2,250,0001,214
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,433,0002,077
1997-12-31 (YTD Data)Rank
Total interest income$7,591,0004,167
Total interest expense$2,973,0004,755
Net interest income$4,618,0003,749
Provision for loan and lease losses$53,0006,553
Total noninterest income$832,0003,477
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$517,0002,542
Trading account gains and feesNANA
Additional Noninterest Income$315,0003,819
Total noninterest expense$3,088,0004,007
Salaries and employee benefits$1,698,0003,841
Premises and equipment expense$425,0004,244
Additional noninterest expense$965,0004,037
Pre-tax net operating income$2,309,0003,112
Securities gains (losses)$-3,0009,416
Applicable income taxes$719,0003,173
Income before extraordinary items$1,587,0003,193
Extraordinary gains, net$044
Net income$1,587,0003,193
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-26,00010,314
Cash dividends$1,300,0001,780
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,589,0703,124
1996-12-31 (YTD Data)Rank
Total interest income$7,120,0004,510
Total interest expense$2,767,0005,122
Net interest income$4,353,0003,995
Provision for loan and lease losses$18,0008,074
Total noninterest income$771,0003,805
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$504,0002,706
Trading account gains and feesNANA
Additional Noninterest Income$267,0004,364
Total noninterest expense$3,295,0004,000
Salaries and employee benefits$1,634,0003,994
Premises and equipment expense$458,0004,057
Additional noninterest expense$1,203,0003,772
Pre-tax net operating income$1,811,0003,698
Securities gains (losses)$9,0002,573
Applicable income taxes$487,0004,225
Income before extraordinary items$1,333,0003,552
Extraordinary gains, net$053
Net income$1,333,0003,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$158,0003,068
Cash dividends$1,100,0001,990
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,326,4303,513
1995-12-31 (YTD Data)Rank
Total interest income$6,704,0004,728
Total interest expense$2,616,0005,365
Net interest income$4,088,0004,230
Provision for loan and lease losses$08,958
Total noninterest income$962,0003,193
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$494,0002,752
Trading account gains and feesNANA
Additional Noninterest Income$468,0002,998
Total noninterest expense$3,105,0004,158
Salaries and employee benefits$1,672,0003,878
Premises and equipment expense$416,0004,373
Additional noninterest expense$1,017,0004,290
Pre-tax net operating income$1,945,0003,578
Securities gains (losses)$-2,0009,253
Applicable income taxes$407,0004,892
Income before extraordinary items$1,536,0003,175
Extraordinary gains, net$065
Net income$1,536,0003,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00010,558
Cash dividends$1,300,0001,661
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,537,5803,161
1994-12-31 (YTD Data)Rank
Total interest income$6,473,0004,539
Total interest expense$2,180,0005,204
Net interest income$4,293,0004,094
Provision for loan and lease losses$09,146
Total noninterest income$1,044,0003,014
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$482,0002,869
Trading account gains and feesNANA
Additional Noninterest Income$562,0002,722
Total noninterest expense$2,943,0004,492
Salaries and employee benefits$1,553,0004,156
Premises and equipment expense$401,0004,575
Additional noninterest expense$989,0004,746
Pre-tax net operating income$2,394,0002,940
Securities gains (losses)$5,0002,624
Applicable income taxes$587,0003,580
Income before extraordinary items$1,812,0002,676
Extraordinary gains, net$0249
Net income$1,812,0002,677
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,338
Cash dividends$1,000,0001,879
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,808,2002,696
1993-12-31 (YTD Data)Rank
Total interest income$6,664,0004,518
Total interest expense$2,186,0005,409
Net interest income$4,478,0003,959
Provision for loan and lease losses$-33,00012,658
Total noninterest income$1,034,0003,254
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$405,0003,398
Trading account gains and feesNANA
Additional Noninterest Income$629,0002,792
Total noninterest expense$3,265,0004,179
Salaries and employee benefits$1,518,0004,230
Premises and equipment expense$399,0004,723
Additional noninterest expense$1,348,0003,823
Pre-tax net operating income$2,280,0002,945
Securities gains (losses)$28,0004,186
Applicable income taxes$496,0004,226
Income before extraordinary items$1,812,0002,746
Extraordinary gains, net$190,0001,051
Net income$2,002,0002,614
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-190,00013,105
Cash dividends$1,000,0001,731
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,789,8802,626
1992-12-31 (YTD Data)Rank
Total interest income$7,009,0004,820
Total interest expense$2,792,0005,488
Net interest income$4,217,0004,240
Provision for loan and lease losses$933,0001,920
Total noninterest income$864,0003,743
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$373,0003,712
Trading account gains and feesNANA
Additional Noninterest Income$491,0003,237
Total noninterest expense$3,277,0004,182
Salaries and employee benefits$1,393,0004,523
Premises and equipment expense$408,0004,722
Additional noninterest expense$1,476,0003,654
Pre-tax net operating income$871,0006,243
Securities gains (losses)$77,0003,440
Applicable income taxes$241,0006,810
Income before extraordinary items$707,0005,873
Extraordinary gains, net$13,0001,300
Net income$720,0005,865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,032,0001,528
Cash dividends$690,0002,168
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$649,2505,882

* 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.