The Home Savings and Loan Company of Youngstown, Ohio, Income and Expense

2016-12-31 (YTD Data)Rank
Total interest income$70,681,000400
Total interest expense$8,429,000353
Net interest income$62,252,000402
Provision for loan and lease losses$5,363,000246
Total noninterest income$19,771,000425
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$8,796,000176
Trading account gains and fees$0170
Additional Noninterest Income$10,975,000482
Total noninterest expense$49,049,000455
Salaries and employee benefits$27,768,000441
Premises and equipment expense$6,371,000420
Additional noninterest expense$14,910,000469
Pre-tax net operating income$27,611,000397
Securities gains (losses)$604,000365
Applicable income taxes$8,488,000376
Income before extraordinary items$19,727,000412
Extraordinary gains, net$05
Net income$19,727,000408
Minority interest net income$082
Net income of bank and minority interests.$19,727,000411
Net charge-offs$4,012,000246
Cash dividends$23,500,000193
Sale, conversion, retirement of capital stock, net$1,196,000190
Net operating income$19,304,200416
2016-09-30 (YTD Data)Rank
Total interest income$52,217,000403
Total interest expense$6,268,000355
Net interest income$45,949,000409
Provision for loan and lease losses$3,870,000244
Total noninterest income$14,558,000428
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$6,631,000174
Trading account gains and fees$0169
Additional Noninterest Income$7,927,000495
Total noninterest expense$36,596,000460
Salaries and employee benefits$20,665,000447
Premises and equipment expense$4,776,000422
Additional noninterest expense$11,155,000467
Pre-tax net operating income$20,041,000411
Securities gains (losses)$604,000328
Applicable income taxes$6,568,000372
Income before extraordinary items$14,077,000428
Extraordinary gains, net$05
Net income$14,077,000426
Minority interest net income$071
Net income of bank and minority interests.$14,077,000428
Net charge-offs$3,372,000204
Cash dividends$10,000,000285
Sale, conversion, retirement of capital stock, net$679,000186
Net operating income$13,666,280439
2016-06-30 (YTD Data)Rank
Total interest income$34,419,000411
Total interest expense$4,211,000355
Net interest income$30,208,000414
Provision for loan and lease losses$2,537,000238
Total noninterest income$9,192,000446
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$4,434,000175
Trading account gains and fees$0157
Additional Noninterest Income$4,758,000522
Total noninterest expense$24,326,000462
Salaries and employee benefits$13,910,000449
Premises and equipment expense$3,231,000416
Additional noninterest expense$7,185,000484
Pre-tax net operating income$12,537,000422
Securities gains (losses)$386,000350
Applicable income taxes$4,178,000389
Income before extraordinary items$8,745,000453
Extraordinary gains, net$016
Net income$8,745,000450
Minority interest net income$071
Net income of bank and minority interests.$8,745,000452
Net charge-offs$3,090,000166
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$440,000182
Net operating income$8,482,520455
2016-03-31 (YTD Data)Rank
Total interest income$17,020,000411
Total interest expense$2,147,000346
Net interest income$14,873,000417
Provision for loan and lease losses$2,155,000171
Total noninterest income$4,166,000460
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$2,081,000182
Trading account gains and fees$0142
Additional Noninterest Income$2,085,000554
Total noninterest expense$11,986,000466
Salaries and employee benefits$6,928,000448
Premises and equipment expense$1,594,000425
Additional noninterest expense$3,464,000502
Pre-tax net operating income$4,898,000499
Securities gains (losses)$153,000366
Applicable income taxes$1,642,000450
Income before extraordinary items$3,409,000546
Extraordinary gains, net$012
Net income$3,409,000544
Minority interest net income$062
Net income of bank and minority interests.$3,409,000546
Net charge-offs$2,964,000119
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$208,000172
Net operating income$3,306,490545
2015-12-31 (YTD Data)Rank
Total interest income$65,636,000400
Total interest expense$9,113,000303
Net interest income$56,523,000414
Provision for loan and lease losses$2,135,000429
Total noninterest income$19,572,000421
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$8,541,000182
Trading account gains and fees$0159
Additional Noninterest Income$11,031,000453
Total noninterest expense$48,910,000447
Salaries and employee benefits$27,340,000432
Premises and equipment expense$6,076,000433
Additional noninterest expense$15,494,000452
Pre-tax net operating income$25,050,000399
Securities gains (losses)$142,000935
Applicable income taxes$8,249,000372
Income before extraordinary items$16,943,000443
Extraordinary gains, net$023
Net income$16,943,000443
Minority interest net income$081
Net income of bank and minority interests.$16,943,000444
Net charge-offs$2,110,000357
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$780,000258
Net operating income$16,847,860437
2015-09-30 (YTD Data)Rank
Total interest income$48,801,000402
Total interest expense$6,768,000306
Net interest income$42,033,000419
Provision for loan and lease losses$1,242,000493
Total noninterest income$14,251,000439
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$6,182,000190
Trading account gains and fees$0153
Additional Noninterest Income$8,069,000481
Total noninterest expense$36,410,000449
Salaries and employee benefits$21,275,000429
Premises and equipment expense$4,561,000440
Additional noninterest expense$10,574,000487
Pre-tax net operating income$18,632,000414
Securities gains (losses)$11,0002,316
Applicable income taxes$6,194,000386
Income before extraordinary items$12,449,000455
Extraordinary gains, net$021
Net income$12,449,000454
Minority interest net income$078
Net income of bank and minority interests.$12,449,000455
Net charge-offs$1,447,000359
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$569,000234
Net operating income$12,441,630444
2015-06-30 (YTD Data)Rank
Total interest income$32,146,000405
Total interest expense$4,414,000312
Net interest income$27,732,000417
Provision for loan and lease losses$569,000687
Total noninterest income$9,381,000440
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$3,889,000197
Trading account gains and fees$0157
Additional Noninterest Income$5,492,000473
Total noninterest expense$24,366,000450
Salaries and employee benefits$14,222,000431
Premises and equipment expense$3,062,000435
Additional noninterest expense$7,082,000490
Pre-tax net operating income$12,178,000414
Securities gains (losses)$11,0001,976
Applicable income taxes$4,038,000395
Income before extraordinary items$8,151,000462
Extraordinary gains, net$022
Net income$8,151,000461
Minority interest net income$075
Net income of bank and minority interests.$8,151,000462
Net charge-offs$1,375,000291
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$379,000226
Net operating income$8,143,630452
2015-03-31 (YTD Data)Rank
Total interest income$16,034,000409
Total interest expense$2,154,000320
Net interest income$13,880,000417
Provision for loan and lease losses$-184,0006,253
Total noninterest income$4,107,000468
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$1,743,000222
Trading account gains and fees$0152
Additional Noninterest Income$2,364,000508
Total noninterest expense$12,420,000450
Salaries and employee benefits$7,276,000423
Premises and equipment expense$1,536,000436
Additional noninterest expense$3,608,000469
Pre-tax net operating income$5,751,000432
Securities gains (losses)$11,0001,447
Applicable income taxes$1,906,000407
Income before extraordinary items$3,856,000479
Extraordinary gains, net$013
Net income$3,856,000477
Minority interest net income$064
Net income of bank and minority interests.$3,856,000479
Net charge-offs$282,000563
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$196,000189
Net operating income$3,848,630467
2014-12-31 (YTD Data)Rank
Total interest income$63,239,000406
Total interest expense$11,825,000240
Net interest income$51,414,000435
Provision for loan and lease losses$-1,271,0006,380
Total noninterest income$13,293,000522
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$7,658,000213
Trading account gains and fees$0180
Additional Noninterest Income$5,635,000696
Total noninterest expense$55,092,000407
Salaries and employee benefits$30,301,000395
Premises and equipment expense$6,100,000426
Additional noninterest expense$18,691,000388
Pre-tax net operating income$10,886,000768
Securities gains (losses)$113,0001,164
Applicable income taxes$-37,699,0006,505
Income before extraordinary items$48,698,000198
Extraordinary gains, net$017
Net income$48,698,000198
Minority interest net income$084
Net income of bank and minority interests.$48,698,000198
Net charge-offs$2,158,000466
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$507,000303
Net operating income$48,585,000197
2014-09-30 (YTD Data)Rank
Total interest income$47,249,000406
Total interest expense$9,184,000237
Net interest income$38,065,000441
Provision for loan and lease losses$-1,465,0006,498
Total noninterest income$10,471,000506
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$5,842,000209
Trading account gains and fees$0174
Additional Noninterest Income$4,629,000650
Total noninterest expense$41,266,000405
Salaries and employee benefits$23,375,000379
Premises and equipment expense$4,530,000430
Additional noninterest expense$13,361,000399
Pre-tax net operating income$8,735,000730
Securities gains (losses)$30,0001,776
Applicable income taxes$-37,104,0006,586
Income before extraordinary items$45,869,000169
Extraordinary gains, net$015
Net income$45,869,000169
Minority interest net income$081
Net income of bank and minority interests.$45,869,000169
Net charge-offs$1,519,000488
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$375,000275
Net operating income$45,839,000166
2014-06-30 (YTD Data)Rank
Total interest income$31,514,000404
Total interest expense$6,173,000236
Net interest income$25,341,000439
Provision for loan and lease losses$-1,581,0006,597
Total noninterest income$6,626,000523
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$3,845,000210
Trading account gains and fees$0172
Additional Noninterest Income$2,781,000685
Total noninterest expense$27,288,000405
Salaries and employee benefits$16,291,000363
Premises and equipment expense$3,094,000421
Additional noninterest expense$7,903,000437
Pre-tax net operating income$6,260,000659
Securities gains (losses)$31,0001,431
Applicable income taxes$-37,008,0006,655
Income before extraordinary items$43,299,000132
Extraordinary gains, net$020
Net income$43,299,000132
Minority interest net income$080
Net income of bank and minority interests.$43,299,000132
Net charge-offs$1,271,000418
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$250,000259
Net operating income$43,268,000131
2014-03-31 (YTD Data)Rank
Total interest income$15,704,000407
Total interest expense$3,103,000235
Net interest income$12,601,000438
Provision for loan and lease losses$33,0002,541
Total noninterest income$3,220,000520
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$1,823,000217
Trading account gains and fees$0147
Additional Noninterest Income$1,397,000662
Total noninterest expense$13,373,000416
Salaries and employee benefits$7,713,000381
Premises and equipment expense$1,584,000425
Additional noninterest expense$4,076,000425
Pre-tax net operating income$2,415,000816
Securities gains (losses)$01,715
Applicable income taxes$156,0001,962
Income before extraordinary items$2,259,000689
Extraordinary gains, net$016
Net income$2,259,000689
Minority interest net income$066
Net income of bank and minority interests.$2,259,000691
Net charge-offs$595,000430
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$185,000193
Net operating income$2,259,000678
2013-12-31 (YTD Data)Rank
Total interest income$64,807,000395
Total interest expense$13,413,000238
Net interest income$51,394,000427
Provision for loan and lease losses$4,116,000324
Total noninterest income$17,103,000462
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$8,577,000195
Trading account gains and fees$0184
Additional Noninterest Income$8,526,000542
Total noninterest expense$55,779,000398
Salaries and employee benefits$29,358,000389
Premises and equipment expense$5,923,000426
Additional noninterest expense$20,498,000370
Pre-tax net operating income$8,602,000892
Securities gains (losses)$2,577,000103
Applicable income taxes$200,0002,950
Income before extraordinary items$10,979,000592
Extraordinary gains, net$029
Net income$10,979,000592
Minority interest net income$090
Net income of bank and minority interests.$10,979,000592
Net charge-offs$4,130,000398
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$352,000331
Net operating income$8,453,540736
2013-09-30 (YTD Data)Rank
Total interest income$48,496,000396
Total interest expense$10,175,000233
Net interest income$38,321,000426
Provision for loan and lease losses$3,834,000266
Total noninterest income$12,980,000465
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$6,177,000203
Trading account gains and fees$0180
Additional Noninterest Income$6,803,000531
Total noninterest expense$41,137,000400
Salaries and employee benefits$22,143,000389
Premises and equipment expense$4,419,000430
Additional noninterest expense$14,575,000386
Pre-tax net operating income$6,330,000927
Securities gains (losses)$2,578,00088
Applicable income taxes$500,0001,911
Income before extraordinary items$8,408,000594
Extraordinary gains, net$025
Net income$8,408,000594
Minority interest net income$084
Net income of bank and minority interests.$8,408,000596
Net charge-offs$3,932,000334
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$275,000291
Net operating income$5,984,680781
2013-06-30 (YTD Data)Rank
Total interest income$32,476,000393
Total interest expense$6,870,000237
Net interest income$25,606,000425
Provision for loan and lease losses$3,177,000237
Total noninterest income$9,445,000444
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$3,958,000210
Trading account gains and fees$0157
Additional Noninterest Income$5,487,000469
Total noninterest expense$27,872,000395
Salaries and employee benefits$14,901,000386
Premises and equipment expense$2,999,000425
Additional noninterest expense$9,972,000378
Pre-tax net operating income$4,002,000946
Securities gains (losses)$2,578,00079
Applicable income taxes$150,0002,690
Income before extraordinary items$6,430,000535
Extraordinary gains, net$022
Net income$6,430,000535
Minority interest net income$082
Net income of bank and minority interests.$6,430,000537
Net charge-offs$5,270,000190
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$188,000271
Net operating income$3,903,560769
2013-03-31 (YTD Data)Rank
Total interest income$16,475,000389
Total interest expense$3,519,000245
Net interest income$12,956,000427
Provision for loan and lease losses$2,064,000200
Total noninterest income$4,933,000435
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$1,863,000217
Trading account gains and fees$0148
Additional Noninterest Income$3,070,000445
Total noninterest expense$13,710,000407
Salaries and employee benefits$7,304,000399
Premises and equipment expense$1,497,000427
Additional noninterest expense$4,909,000386
Pre-tax net operating income$2,115,000884
Securities gains (losses)$721,000147
Applicable income taxes$04,602
Income before extraordinary items$2,836,000584
Extraordinary gains, net$010
Net income$2,836,000582
Minority interest net income$076
Net income of bank and minority interests.$2,836,000585
Net charge-offs$1,367,000357
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$95,000247
Net operating income$2,115,000705
2012-12-31 (YTD Data)Rank
Total interest income$78,446,000347
Total interest expense$18,007,000234
Net interest income$60,439,000378
Provision for loan and lease losses$39,325,000101
Total noninterest income$16,411,000476
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$8,161,000201
Trading account gains and fees$0166
Additional Noninterest Income$8,250,000566
Total noninterest expense$64,476,000352
Salaries and employee benefits$32,440,000343
Premises and equipment expense$5,847,000424
Additional noninterest expense$26,189,000318
Pre-tax net operating income$-26,951,0007,063
Securities gains (losses)$6,325,00081
Applicable income taxes$-866,0006,950
Income before extraordinary items$-19,760,0007,050
Extraordinary gains, net$029
Net income$-19,760,0007,050
Minority interest net income$093
Net income of bank and minority interests.$-19,760,0007,050
Net charge-offs$60,466,00076
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$742,000253
Net operating income$-25,832,0007,059
2012-09-30 (YTD Data)Rank
Total interest income$60,649,000345
Total interest expense$14,220,000232
Net interest income$46,429,000375
Provision for loan and lease losses$37,223,00081
Total noninterest income$10,625,000517
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$5,979,000204
Trading account gains and fees$0157
Additional Noninterest Income$4,646,000679
Total noninterest expense$50,337,000334
Salaries and employee benefits$25,303,000322
Premises and equipment expense$4,348,000427
Additional noninterest expense$20,686,000305
Pre-tax net operating income$-30,506,0007,176
Securities gains (losses)$5,161,00078
Applicable income taxes$-2,821,0007,140
Income before extraordinary items$-22,524,0007,167
Extraordinary gains, net$020
Net income$-22,524,0007,166
Minority interest net income$086
Net income of bank and minority interests.$-22,524,0007,167
Net charge-offs$59,446,00065
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$593,000216
Net operating income$-27,117,2907,168
2012-06-30 (YTD Data)Rank
Total interest income$42,457,000331
Total interest expense$10,156,000221
Net interest income$32,301,000367
Provision for loan and lease losses$6,944,000225
Total noninterest income$8,065,000468
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$3,964,000205
Trading account gains and fees$0153
Additional Noninterest Income$4,101,000548
Total noninterest expense$33,300,000336
Salaries and employee benefits$16,748,000326
Premises and equipment expense$2,892,000432
Additional noninterest expense$13,660,000304
Pre-tax net operating income$122,0005,751
Securities gains (losses)$3,969,00071
Applicable income taxes$04,770
Income before extraordinary items$4,091,000749
Extraordinary gains, net$019
Net income$4,091,000748
Minority interest net income$084
Net income of bank and minority interests.$4,091,000749
Net charge-offs$18,282,000114
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$486,000171
Net operating income$122,0005,637
2012-03-31 (YTD Data)Rank
Total interest income$21,563,000330
Total interest expense$5,682,000208
Net interest income$15,881,000371
Provision for loan and lease losses$680,000841
Total noninterest income$4,674,000418
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$1,963,000209
Trading account gains and fees$0148
Additional Noninterest Income$2,711,000445
Total noninterest expense$16,287,000335
Salaries and employee benefits$8,197,000326
Premises and equipment expense$1,427,000434
Additional noninterest expense$6,663,000303
Pre-tax net operating income$3,588,000544
Securities gains (losses)$414,000329
Applicable income taxes$04,704
Income before extraordinary items$4,002,000416
Extraordinary gains, net$019
Net income$4,002,000416
Minority interest net income$078
Net income of bank and minority interests.$4,002,000417
Net charge-offs$8,428,000130
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$356,000122
Net operating income$3,588,000440
2011-12-31 (YTD Data)Rank
Total interest income$96,391,000302
Total interest expense$31,212,000184
Net interest income$65,179,000350
Provision for loan and lease losses$24,658,000192
Total noninterest income$14,670,000466
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$6,105,000268
Trading account gains and fees$0146
Additional Noninterest Income$8,565,000494
Total noninterest expense$62,736,000340
Salaries and employee benefits$30,589,000330
Premises and equipment expense$5,928,000437
Additional noninterest expense$26,219,000319
Pre-tax net operating income$-7,545,0007,158
Securities gains (losses)$8,610,00070
Applicable income taxes$04,719
Income before extraordinary items$1,065,0003,429
Extraordinary gains, net$029
Net income$1,065,0003,432
Minority interest net income$096
Net income of bank and minority interests.$1,065,0003,432
Net charge-offs$33,269,000165
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$542,000401
Net operating income$-7,545,0007,150
2011-09-30 (YTD Data)Rank
Total interest income$73,920,000296
Total interest expense$23,578,000191
Net interest income$50,342,000343
Provision for loan and lease losses$22,272,000162
Total noninterest income$7,767,000599
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$3,641,000326
Trading account gains and fees$0145
Additional Noninterest Income$4,126,000667
Total noninterest expense$46,405,000341
Salaries and employee benefits$22,869,000327
Premises and equipment expense$4,465,000441
Additional noninterest expense$19,071,000321
Pre-tax net operating income$-10,568,0007,343
Securities gains (losses)$3,477,000112
Applicable income taxes$04,740
Income before extraordinary items$-7,091,0007,300
Extraordinary gains, net$021
Net income$-7,091,0007,300
Minority interest net income$087
Net income of bank and minority interests.$-7,091,0007,300
Net charge-offs$28,992,000143
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$385,000375
Net operating income$-10,568,0007,340
2011-06-30 (YTD Data)Rank
Total interest income$50,599,000294
Total interest expense$15,883,000195
Net interest income$34,716,000336
Provision for loan and lease losses$10,436,000228
Total noninterest income$7,778,000450
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$2,297,000342
Trading account gains and fees$0153
Additional Noninterest Income$5,481,000397
Total noninterest expense$31,830,000335
Salaries and employee benefits$15,069,000334
Premises and equipment expense$3,012,000443
Additional noninterest expense$13,749,000305
Pre-tax net operating income$228,0004,955
Securities gains (losses)$1,519,000139
Applicable income taxes$04,697
Income before extraordinary items$1,747,0001,412
Extraordinary gains, net$015
Net income$1,747,0001,412
Minority interest net income$089
Net income of bank and minority interests.$1,747,0001,412
Net charge-offs$15,095,000193
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$195,000316
Net operating income$228,0004,744
2011-03-31 (YTD Data)Rank
Total interest income$25,734,000289
Total interest expense$8,077,000201
Net interest income$17,657,000330
Provision for loan and lease losses$2,192,000481
Total noninterest income$2,682,000586
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$1,058,000367
Trading account gains and fees$0158
Additional Noninterest Income$1,624,000592
Total noninterest expense$16,095,000337
Salaries and employee benefits$7,545,000331
Premises and equipment expense$1,568,000432
Additional noninterest expense$6,982,000289
Pre-tax net operating income$2,052,000761
Securities gains (losses)$1,290,00081
Applicable income taxes$04,545
Income before extraordinary items$3,342,000401
Extraordinary gains, net$09
Net income$3,342,000401
Minority interest net income$086
Net income of bank and minority interests.$3,342,000401
Net charge-offs$6,660,000217
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$114,000257
Net operating income$2,052,000621
2010-12-31 (YTD Data)Rank
Total interest income$110,753,000282
Total interest expense$39,728,000193
Net interest income$71,025,000321
Provision for loan and lease losses$62,427,000150
Total noninterest income$13,104,000529
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$5,577,000282
Trading account gains and fees$0175
Additional Noninterest Income$7,527,000555
Total noninterest expense$66,373,000328
Salaries and employee benefits$31,465,000312
Premises and equipment expense$6,353,000412
Additional noninterest expense$28,555,000303
Pre-tax net operating income$-44,671,0007,594
Securities gains (losses)$8,548,00075
Applicable income taxes$-230,0006,996
Income before extraordinary items$-35,893,0007,579
Extraordinary gains, net$029
Net income$-35,893,0007,579
Minority interest net income$0111
Net income of bank and minority interests.$-35,893,0007,579
Net charge-offs$53,831,000164
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$1,832,000285
Net operating income$-44,355,5207,590
2010-09-30 (YTD Data)Rank
Total interest income$85,234,000276
Total interest expense$31,099,000190
Net interest income$54,135,000314
Provision for loan and lease losses$39,876,000170
Total noninterest income$8,129,000578
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$4,363,000270
Trading account gains and fees$0165
Additional Noninterest Income$3,766,000698
Total noninterest expense$48,369,000330
Salaries and employee benefits$23,915,000307
Premises and equipment expense$4,735,000410
Additional noninterest expense$19,719,000311
Pre-tax net operating income$-25,981,0007,681
Securities gains (losses)$7,040,00073
Applicable income taxes$04,726
Income before extraordinary items$-18,941,0007,655
Extraordinary gains, net$023
Net income$-18,941,0007,655
Minority interest net income$0110
Net income of bank and minority interests.$-18,941,0007,655
Net charge-offs$41,279,000163
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$1,731,000227
Net operating income$-25,981,0007,681
2010-06-30 (YTD Data)Rank
Total interest income$56,993,000280
Total interest expense$21,644,000189
Net interest income$35,349,000320
Provision for loan and lease losses$22,760,000195
Total noninterest income$4,754,000629
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$2,973,000269
Trading account gains and fees$0152
Additional Noninterest Income$1,781,000870
Total noninterest expense$33,151,000323
Salaries and employee benefits$16,648,000288
Premises and equipment expense$3,252,000403
Additional noninterest expense$13,251,000307
Pre-tax net operating income$-15,808,0007,731
Securities gains (losses)$6,259,00052
Applicable income taxes$04,691
Income before extraordinary items$-9,549,0007,688
Extraordinary gains, net$019
Net income$-9,549,0007,688
Minority interest net income$0105
Net income of bank and minority interests.$-9,549,0007,688
Net charge-offs$24,319,000176
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$1,619,000164
Net operating income$-15,808,0007,731
2010-03-31 (YTD Data)Rank
Total interest income$28,806,000287
Total interest expense$11,251,000199
Net interest income$17,555,000323
Provision for loan and lease losses$12,450,000191
Total noninterest income$3,697,000462
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$2,091,000204
Trading account gains and fees$0175
Additional Noninterest Income$1,606,000562
Total noninterest expense$16,373,000329
Salaries and employee benefits$7,869,000316
Premises and equipment expense$1,707,000395
Additional noninterest expense$6,797,000299
Pre-tax net operating income$-7,571,0007,819
Securities gains (losses)$2,589,00067
Applicable income taxes$04,611
Income before extraordinary items$-4,982,0007,789
Extraordinary gains, net$016
Net income$-4,982,0007,790
Minority interest net income$091
Net income of bank and minority interests.$-4,982,0007,790
Net charge-offs$6,969,000258
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$140,000263
Net operating income$-7,571,0007,828
2009-12-31 (YTD Data)Rank
Total interest income$131,869,000267
Total interest expense$56,735,000198
Net interest income$75,134,000299
Provision for loan and lease losses$49,074,000248
Total noninterest income$12,742,000539
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$8,804,000213
Trading account gains and fees$0211
Additional Noninterest Income$3,938,000856
Total noninterest expense$61,450,000374
Salaries and employee benefits$28,993,000332
Premises and equipment expense$6,579,000408
Additional noninterest expense$25,878,000363
Pre-tax net operating income$-22,648,0007,747
Securities gains (losses)$1,838,000296
Applicable income taxes$-439,0006,996
Income before extraordinary items$-20,371,0007,742
Extraordinary gains, net$034
Net income$-20,371,0007,740
Minority interest net income$0115
Net income of bank and minority interests.$-20,371,0007,740
Net charge-offs$42,749,000221
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$990,000439
Net operating income$-22,172,2407,766
2009-09-30 (YTD Data)Rank
Total interest income$100,578,000276
Total interest expense$44,330,000210
Net interest income$56,248,000309
Provision for loan and lease losses$26,334,000329
Total noninterest income$7,840,000628
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$6,501,000216
Trading account gains and fees$0212
Additional Noninterest Income$1,339,0001,505
Total noninterest expense$47,200,000369
Salaries and employee benefits$22,140,000337
Premises and equipment expense$5,011,000417
Additional noninterest expense$20,049,000348
Pre-tax net operating income$-9,446,0007,724
Securities gains (losses)$1,838,000231
Applicable income taxes$-3,335,0007,835
Income before extraordinary items$-4,273,0007,517
Extraordinary gains, net$027
Net income$-4,273,0007,517
Minority interest net income$0118
Net income of bank and minority interests.$-4,273,0007,517
Net charge-offs$23,451,000264
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$340,000494
Net operating income$-5,449,3207,621
2009-06-30 (YTD Data)Rank
Total interest income$67,823,000283
Total interest expense$30,771,000217
Net interest income$37,052,000315
Provision for loan and lease losses$20,755,000283
Total noninterest income$7,638,000482
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$4,211,000223
Trading account gains and fees$0193
Additional Noninterest Income$3,427,000581
Total noninterest expense$32,324,000365
Salaries and employee benefits$14,829,000344
Premises and equipment expense$3,386,000420
Additional noninterest expense$14,109,000338
Pre-tax net operating income$-8,389,0007,880
Securities gains (losses)$1,356,000221
Applicable income taxes$-3,062,0007,976
Income before extraordinary items$-3,971,0007,724
Extraordinary gains, net$021
Net income$-3,971,0007,723
Minority interest net income$0112
Net income of bank and minority interests.$-3,971,0007,723
Net charge-offs$16,885,000263
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$200,000469
Net operating income$-4,838,8407,803
2009-03-31 (YTD Data)Rank
Total interest income$34,428,000280
Total interest expense$15,859,000221
Net interest income$18,569,000312
Provision for loan and lease losses$8,444,000294
Total noninterest income$2,820,000572
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$1,999,000228
Trading account gains and fees$0171
Additional Noninterest Income$821,000997
Total noninterest expense$15,651,000353
Salaries and employee benefits$7,428,000344
Premises and equipment expense$1,764,000401
Additional noninterest expense$6,459,000318
Pre-tax net operating income$-2,706,0007,921
Securities gains (losses)$-26,0007,889
Applicable income taxes$-1,468,0008,053
Income before extraordinary items$-1,264,0007,779
Extraordinary gains, net$015
Net income$-1,264,0007,781
Minority interest net income$0102
Net income of bank and minority interests.$-1,264,0007,780
Net charge-offs$6,550,000263
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$56,000475
Net operating income$-1,247,3607,767
2008-12-31 (YTD Data)Rank
Total interest income$152,187,000265
Total interest expense$79,742,000219
Net interest income$72,445,000326
Provision for loan and lease losses$25,329,000312
Total noninterest income$9,882,000602
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$9,145,000207
Trading account gains and fees$0154
Additional Noninterest Income$737,0002,569
Total noninterest expense$92,164,000254
Salaries and employee benefits$31,394,000311
Premises and equipment expense$7,417,000372
Additional noninterest expense$53,353,000213
Pre-tax net operating income$-35,166,0008,167
Securities gains (losses)$-2,963,0007,995
Applicable income taxes$-1,935,0007,909
Income before extraordinary items$-36,194,0008,168
Extraordinary gains, net$039
Net income$-36,194,0008,167
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,373,000242
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$1,578,000358
Net operating income$-33,379,1508,175
2008-09-30 (YTD Data)Rank
Total interest income$115,588,000281
Total interest expense$61,583,000230
Net interest income$54,005,000335
Provision for loan and lease losses$14,709,000307
Total noninterest income$10,797,000477
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$6,789,000217
Trading account gains and fees$0148
Additional Noninterest Income$4,008,000654
Total noninterest expense$77,785,000227
Salaries and employee benefits$24,870,000303
Premises and equipment expense$5,592,000382
Additional noninterest expense$47,323,000170
Pre-tax net operating income$-27,692,0008,305
Securities gains (losses)$-3,688,0008,165
Applicable income taxes$531,0001,826
Income before extraordinary items$-31,911,0008,304
Extraordinary gains, net$031
Net income$-31,911,0008,303
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,529,000232
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$1,393,000260
Net operating income$-28,223,0008,311
2008-06-30 (YTD Data)Rank
Total interest income$77,847,000287
Total interest expense$42,321,000233
Net interest income$35,526,000338
Provision for loan and lease losses$5,714,000392
Total noninterest income$8,134,000455
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$4,386,000218
Trading account gains and fees$0149
Additional Noninterest Income$3,748,000527
Total noninterest expense$28,793,000374
Salaries and employee benefits$17,048,000304
Premises and equipment expense$3,785,000378
Additional noninterest expense$7,960,000421
Pre-tax net operating income$9,153,000406
Securities gains (losses)$987,000184
Applicable income taxes$3,463,000348
Income before extraordinary items$6,677,000416
Extraordinary gains, net$021
Net income$6,677,000415
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,820,000203
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$1,083,000200
Net operating income$6,025,580449
2008-03-31 (YTD Data)Rank
Total interest income$39,636,000292
Total interest expense$22,749,000232
Net interest income$16,887,000355
Provision for loan and lease losses$2,466,000346
Total noninterest income$5,274,000379
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$2,076,000230
Trading account gains and fees$0158
Additional Noninterest Income$3,198,000373
Total noninterest expense$14,408,000372
Salaries and employee benefits$8,691,000302
Premises and equipment expense$2,032,000356
Additional noninterest expense$3,685,000433
Pre-tax net operating income$5,287,000384
Securities gains (losses)$931,000156
Applicable income taxes$2,173,000316
Income before extraordinary items$4,045,000380
Extraordinary gains, net$015
Net income$4,045,000381
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,270,000395
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$734,000116
Net operating income$3,439,850419
2007-12-31 (YTD Data)Rank
Total interest income$168,791,000292
Total interest expense$97,321,000234
Net interest income$71,470,000347
Provision for loan and lease losses$28,750,000122
Total noninterest income$14,123,000479
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$8,605,000217
Trading account gains and fees$0178
Additional Noninterest Income$5,518,000624
Total noninterest expense$53,098,000384
Salaries and employee benefits$31,619,000309
Premises and equipment expense$7,429,000373
Additional noninterest expense$14,050,000450
Pre-tax net operating income$3,745,0002,085
Securities gains (losses)$-21,0007,772
Applicable income taxes$1,180,0001,668
Income before extraordinary items$2,544,0002,319
Extraordinary gains, net$039
Net income$2,544,0002,318
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,699,000145
Cash dividends$6,000,000631
Sale, conversion, retirement of capital stock, net$2,668,000335
Net operating income$2,558,2802,301
2007-09-30 (YTD Data)Rank
Total interest income$126,369,000293
Total interest expense$72,598,000240
Net interest income$53,771,000347
Provision for loan and lease losses$10,432,000153
Total noninterest income$11,237,000465
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$6,244,000216
Trading account gains and fees$0184
Additional Noninterest Income$4,993,000551
Total noninterest expense$39,695,000383
Salaries and employee benefits$24,292,000308
Premises and equipment expense$5,004,000402
Additional noninterest expense$10,399,000441
Pre-tax net operating income$14,881,000504
Securities gains (losses)$01,655
Applicable income taxes$5,270,000457
Income before extraordinary items$9,611,000556
Extraordinary gains, net$033
Net income$9,611,000554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,580,000262
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$2,204,000264
Net operating income$9,611,000550
2007-06-30 (YTD Data)Rank
Total interest income$84,272,000296
Total interest expense$47,963,000251
Net interest income$36,309,000348
Provision for loan and lease losses$5,069,000171
Total noninterest income$7,160,000497
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$3,961,000229
Trading account gains and fees$0168
Additional Noninterest Income$3,199,000593
Total noninterest expense$26,772,000383
Salaries and employee benefits$16,486,000311
Premises and equipment expense$3,656,000390
Additional noninterest expense$6,630,000465
Pre-tax net operating income$11,628,000472
Securities gains (losses)$01,444
Applicable income taxes$4,186,000440
Income before extraordinary items$7,442,000523
Extraordinary gains, net$029
Net income$7,442,000522
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,629,000225
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$1,632,000219
Net operating income$7,442,000510
2007-03-31 (YTD Data)Rank
Total interest income$42,572,000289
Total interest expense$23,838,000250
Net interest income$18,734,000341
Provision for loan and lease losses$2,325,000159
Total noninterest income$3,545,000494
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$1,840,000233
Trading account gains and fees$0195
Additional Noninterest Income$1,705,000556
Total noninterest expense$13,509,000374
Salaries and employee benefits$8,487,000304
Premises and equipment expense$1,607,000430
Additional noninterest expense$3,415,000443
Pre-tax net operating income$6,445,000447
Securities gains (losses)$01,187
Applicable income taxes$2,301,000413
Income before extraordinary items$4,144,000476
Extraordinary gains, net$022
Net income$4,144,000475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$718,000314
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$853,000147
Net operating income$4,144,000466
2006-12-31 (YTD Data)Rank
Total interest income$163,846,000280
Total interest expense$84,466,000246
Net interest income$79,380,000314
Provision for loan and lease losses$4,347,000276
Total noninterest income$12,916,000513
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$7,177,000246
Trading account gains and fees$0130
Additional Noninterest Income$5,739,000615
Total noninterest expense$51,839,000373
Salaries and employee benefits$32,262,000306
Premises and equipment expense$6,158,000418
Additional noninterest expense$13,419,000434
Pre-tax net operating income$36,110,000345
Securities gains (losses)$01,687
Applicable income taxes$12,818,000328
Income before extraordinary items$23,292,000374
Extraordinary gains, net$051
Net income$23,292,000373
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,115,000272
Cash dividends$30,000,000183
Sale, conversion, retirement of capital stock, net$3,757,000343
Net operating income$23,292,000363
2006-09-30 (YTD Data)Rank
Total interest income$121,412,000290
Total interest expense$61,118,000257
Net interest income$60,294,000327
Provision for loan and lease losses$3,026,000272
Total noninterest income$9,517,000532
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$5,210,000256
Trading account gains and fees$0126
Additional Noninterest Income$4,307,000616
Total noninterest expense$39,098,000374
Salaries and employee benefits$24,447,000316
Premises and equipment expense$4,647,000431
Additional noninterest expense$10,004,000449
Pre-tax net operating income$27,687,000361
Securities gains (losses)$01,388
Applicable income taxes$9,779,000343
Income before extraordinary items$17,908,000386
Extraordinary gains, net$045
Net income$17,908,000385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,167,000259
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$2,686,000287
Net operating income$17,908,000379
2006-06-30 (YTD Data)Rank
Total interest income$79,384,000295
Total interest expense$38,655,000263
Net interest income$40,729,000324
Provision for loan and lease losses$1,551,000331
Total noninterest income$5,847,000561
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$3,302,000263
Trading account gains and fees$0126
Additional Noninterest Income$2,545,000672
Total noninterest expense$26,516,000377
Salaries and employee benefits$16,638,000312
Premises and equipment expense$3,132,000425
Additional noninterest expense$6,746,000446
Pre-tax net operating income$18,509,000354
Securities gains (losses)$01,185
Applicable income taxes$6,495,000345
Income before extraordinary items$12,014,000387
Extraordinary gains, net$039
Net income$12,014,000386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,304,000281
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$1,777,000227
Net operating income$12,014,000380
2006-03-31 (YTD Data)Rank
Total interest income$38,212,000297
Total interest expense$18,046,000263
Net interest income$20,166,000324
Provision for loan and lease losses$738,000350
Total noninterest income$2,844,000561
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,535,000272
Trading account gains and fees$0115
Additional Noninterest Income$1,309,000658
Total noninterest expense$13,265,000373
Salaries and employee benefits$8,429,000312
Premises and equipment expense$1,553,000427
Additional noninterest expense$3,283,000459
Pre-tax net operating income$9,007,000359
Securities gains (losses)$0955
Applicable income taxes$3,135,000352
Income before extraordinary items$5,872,000386
Extraordinary gains, net$021
Net income$5,872,000384
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$480,000331
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$911,000147
Net operating income$5,872,000380
2005-12-31 (YTD Data)Rank
Total interest income$133,975,000300
Total interest expense$57,404,000255
Net interest income$76,571,000329
Provision for loan and lease losses$3,028,000357
Total noninterest income$11,626,000560
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$6,670,000259
Trading account gains and fees$0138
Additional Noninterest Income$4,956,000688
Total noninterest expense$52,015,000372
Salaries and employee benefits$31,987,000299
Premises and equipment expense$6,508,000389
Additional noninterest expense$13,520,000439
Pre-tax net operating income$33,154,000373
Securities gains (losses)$133,000615
Applicable income taxes$11,284,000366
Income before extraordinary items$22,003,000398
Extraordinary gains, net$046
Net income$22,003,000398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,182,000278
Cash dividends$4,000,000801
Sale, conversion, retirement of capital stock, net$3,378,000346
Net operating income$21,915,220388
2005-09-30 (YTD Data)Rank
Total interest income$97,122,000303
Total interest expense$40,601,000251
Net interest income$56,521,000330
Provision for loan and lease losses$1,753,000427
Total noninterest income$8,701,000562
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$4,896,000257
Trading account gains and fees$0126
Additional Noninterest Income$3,805,000678
Total noninterest expense$38,120,000379
Salaries and employee benefits$23,243,000305
Premises and equipment expense$4,951,000384
Additional noninterest expense$9,926,000443
Pre-tax net operating income$25,349,000363
Securities gains (losses)$133,000582
Applicable income taxes$8,592,000360
Income before extraordinary items$16,890,000384
Extraordinary gains, net$035
Net income$16,890,000385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,346,000269
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$2,398,000282
Net operating income$16,802,220378
2005-06-30 (YTD Data)Rank
Total interest income$62,547,000301
Total interest expense$25,541,000252
Net interest income$37,006,000329
Provision for loan and lease losses$1,051,000480
Total noninterest income$5,486,000581
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$3,123,000265
Trading account gains and fees$0116
Additional Noninterest Income$2,363,000714
Total noninterest expense$25,510,000375
Salaries and employee benefits$15,522,000305
Premises and equipment expense$3,198,000389
Additional noninterest expense$6,790,000432
Pre-tax net operating income$15,931,000383
Securities gains (losses)$177,000427
Applicable income taxes$5,410,000377
Income before extraordinary items$10,698,000401
Extraordinary gains, net$030
Net income$10,698,000401
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,812,000241
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$1,585,000215
Net operating income$10,581,180392
2005-03-31 (YTD Data)Rank
Total interest income$30,256,000305
Total interest expense$12,089,000250
Net interest income$18,167,000331
Provision for loan and lease losses$633,000387
Total noninterest income$2,299,000640
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$1,479,000265
Trading account gains and fees$0115
Additional Noninterest Income$820,000934
Total noninterest expense$12,858,000361
Salaries and employee benefits$7,884,000303
Premises and equipment expense$1,695,000370
Additional noninterest expense$3,279,000435
Pre-tax net operating income$6,975,000413
Securities gains (losses)$177,000272
Applicable income taxes$2,391,000409
Income before extraordinary items$4,761,000421
Extraordinary gains, net$024
Net income$4,761,000421
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$737,000270
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$794,000136
Net operating income$4,642,410418
2004-12-31 (YTD Data)Rank
Total interest income$114,451,000296
Total interest expense$41,537,000239
Net interest income$72,914,000318
Provision for loan and lease losses$9,370,000150
Total noninterest income$8,940,000667
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$3,932,000450
Trading account gains and fees$0138
Additional Noninterest Income$5,008,000675
Total noninterest expense$47,091,000392
Salaries and employee benefits$27,725,000332
Premises and equipment expense$6,643,000358
Additional noninterest expense$12,723,000449
Pre-tax net operating income$25,393,000419
Securities gains (losses)$-1,043,0008,904
Applicable income taxes$8,141,000421
Income before extraordinary items$16,209,000454
Extraordinary gains, net$034
Net income$16,209,000454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,604,000161
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$4,601,000236
Net operating income$16,907,810423
2004-09-30 (YTD Data)Rank
Total interest income$84,580,000298
Total interest expense$29,998,000242
Net interest income$54,582,000313
Provision for loan and lease losses$11,053,000126
Total noninterest income$6,579,000684
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$2,903,000465
Trading account gains and fees$0134
Additional Noninterest Income$3,676,000695
Total noninterest expense$35,834,000388
Salaries and employee benefits$21,504,000325
Premises and equipment expense$4,902,000365
Additional noninterest expense$9,428,000454
Pre-tax net operating income$14,273,000509
Securities gains (losses)$326,000565
Applicable income taxes$4,994,000484
Income before extraordinary items$9,605,000548
Extraordinary gains, net$026
Net income$9,605,000549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,036,000557
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$2,773,000221
Net operating income$9,389,840539
2004-06-30 (YTD Data)Rank
Total interest income$55,434,000293
Total interest expense$19,225,000243
Net interest income$36,209,000313
Provision for loan and lease losses$1,828,000334
Total noninterest income$4,751,000639
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,865,000483
Trading account gains and fees$0130
Additional Noninterest Income$2,886,000612
Total noninterest expense$24,787,000368
Salaries and employee benefits$15,066,000308
Premises and equipment expense$3,284,000363
Additional noninterest expense$6,437,000442
Pre-tax net operating income$14,345,000384
Securities gains (losses)$326,000460
Applicable income taxes$5,064,000375
Income before extraordinary items$9,607,000401
Extraordinary gains, net$021
Net income$9,607,000401
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$633,000592
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$1,923,000179
Net operating income$9,395,100393
2004-03-31 (YTD Data)Rank
Total interest income$27,394,000304
Total interest expense$9,421,000254
Net interest income$17,973,000314
Provision for loan and lease losses$459,000555
Total noninterest income$2,437,000627
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$901,000485
Trading account gains and fees$0121
Additional Noninterest Income$1,536,000581
Total noninterest expense$12,747,000366
Salaries and employee benefits$7,900,000302
Premises and equipment expense$1,671,000363
Additional noninterest expense$3,176,000440
Pre-tax net operating income$7,204,000373
Securities gains (losses)$326,000351
Applicable income taxes$2,600,000369
Income before extraordinary items$4,930,000394
Extraordinary gains, net$016
Net income$4,930,000393
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$317,000594
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$1,010,000119
Net operating income$4,718,100384
2003-12-31 (YTD Data)Rank
Total interest income$110,507,000299
Total interest expense$41,723,000253
Net interest income$68,784,000323
Provision for loan and lease losses$3,179,000450
Total noninterest income$17,854,000434
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$5,275,000317
Trading account gains and fees$0160
Additional Noninterest Income$12,579,000380
Total noninterest expense$50,240,000371
Salaries and employee benefits$30,165,000305
Premises and equipment expense$7,298,000340
Additional noninterest expense$12,777,000453
Pre-tax net operating income$33,219,000327
Securities gains (losses)$839,000539
Applicable income taxes$11,983,000321
Income before extraordinary items$22,075,000354
Extraordinary gains, net$054
Net income$22,075,000355
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,167,000389
Cash dividends$22,000,000223
Sale, conversion, retirement of capital stock, net$4,276,000217
Net operating income$21,529,650334
2003-09-30 (YTD Data)Rank
Total interest income$84,296,000309
Total interest expense$32,010,000257
Net interest income$52,286,000329
Provision for loan and lease losses$2,969,000396
Total noninterest income$14,758,000423
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$3,773,000343
Trading account gains and fees$0153
Additional Noninterest Income$10,985,000369
Total noninterest expense$38,121,000371
Salaries and employee benefits$22,645,000315
Premises and equipment expense$5,579,000341
Additional noninterest expense$9,897,000457
Pre-tax net operating income$25,954,000327
Securities gains (losses)$496,000688
Applicable income taxes$9,221,000332
Income before extraordinary items$17,229,000360
Extraordinary gains, net$040
Net income$17,229,000361
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,095,000428
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$3,396,000170
Net operating income$16,906,600334
2003-06-30 (YTD Data)Rank
Total interest income$56,591,000312
Total interest expense$21,282,000263
Net interest income$35,309,000326
Provision for loan and lease losses$2,398,000349
Total noninterest income$7,006,000540
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0150
Additional Noninterest Income$7,006,000379
Total noninterest expense$26,527,000360
Salaries and employee benefits$15,290,000313
Premises and equipment expense$4,788,000286
Additional noninterest expense$6,449,000462
Pre-tax net operating income$13,390,000394
Securities gains (losses)$4,733,000144
Applicable income taxes$6,324,000329
Income before extraordinary items$11,799,000356
Extraordinary gains, net$030
Net income$11,799,000357
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$152,0001,955
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$8,722,550406
2003-03-31 (YTD Data)Rank
Total interest income$29,069,000312
Total interest expense$11,188,000264
Net interest income$17,881,000326
Provision for loan and lease losses$696,000499
Total noninterest income$1,542,000949
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0134
Additional Noninterest Income$1,542,000649
Total noninterest expense$13,659,000351
Salaries and employee benefits$7,725,000310
Premises and equipment expense$2,302,000295
Additional noninterest expense$3,632,000427
Pre-tax net operating income$5,068,000487
Securities gains (losses)$2,506,000130
Applicable income taxes$2,629,000384
Income before extraordinary items$4,945,000391
Extraordinary gains, net$021
Net income$4,945,000391
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-27,0008,961
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$3,316,100508
2002-12-31 (YTD Data)Rank
Total interest income$123,562,000311
Total interest expense$54,022,000264
Net interest income$69,540,000335
Provision for loan and lease losses$3,578,000487
Total noninterest income$9,173,000663
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0153
Additional Noninterest Income$9,173,000460
Total noninterest expense$49,554,000377
Salaries and employee benefits$27,440,000326
Premises and equipment expense$8,009,000322
Additional noninterest expense$14,105,000444
Pre-tax net operating income$25,581,000384
Securities gains (losses)$5,907,000140
Applicable income taxes$10,718,000338
Income before extraordinary items$20,770,000361
Extraordinary gains, net$-822,0009,335
Net income$19,948,000373
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,630,000477
Cash dividends$30,000,000185
Sale, conversion, retirement of capital stock, net$0862
Net operating income$16,871,380401
2001-12-31 (YTD Data)Rank
Total interest income$113,459,000360
Total interest expense$56,227,000350
Net interest income$57,232,000371
Provision for loan and lease losses$2,495,000587
Total noninterest income$5,748,000884
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$5,748,000595
Total noninterest expense$43,337,000403
Salaries and employee benefits$26,209,000309
Premises and equipment expense$6,217,000379
Additional noninterest expense$10,911,000540
Pre-tax net operating income$17,148,000489
Securities gains (losses)$5,843,000130
Applicable income taxes$8,662,000365
Income before extraordinary items$14,329,000424
Extraordinary gains, net$0105
Net income$14,329,000423
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,317,000771
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$10,589,480528
2000-12-31 (YTD Data)Rank
Total interest income$83,728,000477
Total interest expense$41,850,000484
Net interest income$41,878,000461
Provision for loan and lease losses$300,0002,819
Total noninterest income$3,526,0001,173
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$3,526,000778
Total noninterest expense$32,637,000496
Salaries and employee benefits$18,042,000415
Premises and equipment expense$4,380,000516
Additional noninterest expense$10,215,000572
Pre-tax net operating income$12,467,000644
Securities gains (losses)$141,000488
Applicable income taxes$4,530,000585
Income before extraordinary items$8,078,000676
Extraordinary gains, net$038
Net income$8,078,000676
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$437,0001,374
Cash dividends$170,000,00058
Sale, conversion, retirement of capital stock, net$0969
Net operating income$7,987,760687
1999-12-31 (YTD Data)Rank
Total interest income$79,834,000479
Total interest expense$30,452,000556
Net interest income$49,382,000429
Provision for loan and lease losses$100,0005,206
Total noninterest income$3,023,0001,340
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$3,023,000884
Total noninterest expense$41,180,000423
Salaries and employee benefits$28,475,000276
Premises and equipment expense$4,005,000557
Additional noninterest expense$8,700,000666
Pre-tax net operating income$11,125,000753
Securities gains (losses)$40,0001,069
Applicable income taxes$4,295,000668
Income before extraordinary items$6,870,000835
Extraordinary gains, net$035
Net income$6,870,000835
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,087
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$6,844,400822
1998-12-31 (YTD Data)Rank
Total interest income$82,745,000466
Total interest expense$35,560,000504
Net interest income$47,185,000420
Provision for loan and lease losses$650,0001,395
Total noninterest income$3,173,0001,298
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$3,173,000872
Total noninterest expense$38,969,000433
Salaries and employee benefits$15,715,000465
Premises and equipment expense$3,931,000561
Additional noninterest expense$19,323,000360
Pre-tax net operating income$10,739,000734
Securities gains (losses)$254,000803
Applicable income taxes$3,809,000712
Income before extraordinary items$7,184,000772
Extraordinary gains, net$032
Net income$7,184,000773
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$172,0002,690
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$177,334,0003
Net operating income$7,018,900756
1997-12-31 (YTD Data)Rank
Total interest income$81,470,000471
Total interest expense$40,464,000470
Net interest income$41,006,000470
Provision for loan and lease losses$-1,546,00010,904
Total noninterest income$2,693,0001,392
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$2,693,000909
Total noninterest expense$25,295,000599
Salaries and employee benefits$14,925,000463
Premises and equipment expense$3,820,000555
Additional noninterest expense$6,550,000794
Pre-tax net operating income$19,950,000460
Securities gains (losses)$80,0001,088
Applicable income taxes$6,982,000479
Income before extraordinary items$13,048,000478
Extraordinary gains, net$044
Net income$13,048,000479
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,585,00010,920
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$12,996,000455
1996-12-31 (YTD Data)Rank
Total interest income$80,331,000507
Total interest expense$43,009,000472
Net interest income$37,322,000546
Provision for loan and lease losses$09,041
Total noninterest income$2,693,0001,470
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$2,693,000948
Total noninterest expense$30,095,000558
Salaries and employee benefits$12,915,000550
Premises and equipment expense$3,458,000647
Additional noninterest expense$13,722,000526
Pre-tax net operating income$9,920,000794
Securities gains (losses)$44,0001,419
Applicable income taxes$3,333,000796
Income before extraordinary items$6,631,000807
Extraordinary gains, net$053
Net income$6,631,000808
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0004,420
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$6,601,520791
1995-12-31 (YTD Data)Rank
Total interest income$78,555,000542
Total interest expense$41,104,000517
Net interest income$37,451,000559
Provision for loan and lease losses$08,958
Total noninterest income$2,463,0001,565
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$2,463,000999
Total noninterest expense$22,020,000730
Salaries and employee benefits$11,198,000637
Premises and equipment expense$2,992,000763
Additional noninterest expense$7,830,000809
Pre-tax net operating income$17,894,000522
Securities gains (losses)$395,000416
Applicable income taxes$6,707,000502
Income before extraordinary items$11,582,000530
Extraordinary gains, net$065
Net income$11,582,000530
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,00010,260
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$11,329,200536
1994-12-31 (YTD Data)Rank
Total interest income$73,537,000501
Total interest expense$34,898,000485
Net interest income$38,639,000544
Provision for loan and lease losses$-100,00012,140
Total noninterest income$2,097,0001,786
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$2,097,0001,095
Total noninterest expense$20,388,000799
Salaries and employee benefits$10,452,000675
Premises and equipment expense$2,936,000781
Additional noninterest expense$7,000,000910
Pre-tax net operating income$20,448,000454
Securities gains (losses)$71,000951
Applicable income taxes$7,295,000432
Income before extraordinary items$13,224,000456
Extraordinary gains, net$0249
Net income$13,224,000455
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$186,0002,612
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$13,178,560464
1993-12-31 (YTD Data)Rank
Total interest income$76,381,000490
Total interest expense$38,158,000438
Net interest income$38,223,000545
Provision for loan and lease losses$535,0002,007
Total noninterest income$3,485,0001,296
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$3,485,000867
Total noninterest expense$19,137,000879
Salaries and employee benefits$10,095,000705
Premises and equipment expense$2,824,000817
Additional noninterest expense$6,218,0001,063
Pre-tax net operating income$22,036,000378
Securities gains (losses)$-3,00012,455
Applicable income taxes$8,003,000367
Income before extraordinary items$14,030,000408
Extraordinary gains, net$729,000312
Net income$14,759,000404
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-62,00012,766
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$14,031,920385
1992-12-31 (YTD Data)Rank
Total interest income$78,187,000540
Total interest expense$45,165,000477
Net interest income$33,022,000623
Provision for loan and lease losses$2,266,0001,049
Total noninterest income$1,849,0002,045
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$1,849,0001,310
Total noninterest expense$17,652,000941
Salaries and employee benefits$9,098,000755
Premises and equipment expense$2,699,000884
Additional noninterest expense$5,855,0001,157
Pre-tax net operating income$14,953,000445
Securities gains (losses)$3,478,000270
Applicable income taxes$6,570,000385
Income before extraordinary items$11,861,000424
Extraordinary gains, net$-3,531,00013,904
Net income$8,330,000568
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$455,0002,622
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$9,635,080457

* 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.