Home > Yadkin Bank > Income and Expense

Yadkin Bank, Income and Expense

2016-12-31 (YTD Data)Rank
Total interest income$269,049,000155
Total interest expense$24,741,000157
Net interest income$244,308,000150
Provision for loan and lease losses$10,643,000151
Total noninterest income$62,939,000183
Gross Fiduciary activities income$224,000721
Service charges on deposit accounts$11,889,000143
Trading account gains and fees$0170
Additional Noninterest Income$50,826,000158
Total noninterest expense$201,526,000147
Salaries and employee benefits$91,386,000148
Premises and equipment expense$21,234,000151
Additional noninterest expense$88,906,000133
Pre-tax net operating income$95,078,000175
Securities gains (losses)$-436,0005,870
Applicable income taxes$34,656,000159
Income before extraordinary items$59,986,000190
Extraordinary gains, net$05
Net income$59,986,000190
Minority interest net income$082
Net income of bank and minority interests.$59,986,000190
Net charge-offs$6,422,000175
Cash dividends$28,000,000172
Sale, conversion, retirement of capital stock, net$3,363,000116
Net operating income$60,265,040185
2016-09-30 (YTD Data)Rank
Total interest income$198,678,000155
Total interest expense$17,928,000157
Net interest income$180,750,000150
Provision for loan and lease losses$7,170,000159
Total noninterest income$48,461,000176
Gross Fiduciary activities income$224,000677
Service charges on deposit accounts$8,757,000145
Trading account gains and fees$0169
Additional Noninterest Income$39,480,000153
Total noninterest expense$150,837,000144
Salaries and employee benefits$68,175,000148
Premises and equipment expense$16,043,000149
Additional noninterest expense$66,619,000131
Pre-tax net operating income$71,204,000173
Securities gains (losses)$194,000820
Applicable income taxes$26,440,000154
Income before extraordinary items$44,958,000187
Extraordinary gains, net$05
Net income$44,958,000187
Minority interest net income$071
Net income of bank and minority interests.$44,958,000187
Net charge-offs$4,797,000162
Cash dividends$26,000,000144
Sale, conversion, retirement of capital stock, net$1,151,000143
Net operating income$44,833,840186
2016-06-30 (YTD Data)Rank
Total interest income$125,935,000160
Total interest expense$11,130,000167
Net interest income$114,805,000155
Provision for loan and lease losses$4,173,000175
Total noninterest income$30,132,000188
Gross Fiduciary activities income$221,000625
Service charges on deposit accounts$5,556,000149
Trading account gains and fees$0157
Additional Noninterest Income$24,355,000161
Total noninterest expense$98,126,000146
Salaries and employee benefits$43,786,000151
Premises and equipment expense$10,341,000155
Additional noninterest expense$43,999,000131
Pre-tax net operating income$42,638,000182
Securities gains (losses)$194,000613
Applicable income taxes$15,362,000167
Income before extraordinary items$27,470,000200
Extraordinary gains, net$016
Net income$27,470,000199
Minority interest net income$071
Net income of bank and minority interests.$27,470,000199
Net charge-offs$2,309,000197
Cash dividends$20,000,000133
Sale, conversion, retirement of capital stock, net$571,000161
Net operating income$27,345,840197
2016-03-31 (YTD Data)Rank
Total interest income$54,235,000176
Total interest expense$4,785,000185
Net interest income$49,450,000173
Provision for loan and lease losses$1,875,000185
Total noninterest income$12,288,000213
Gross Fiduciary activities income$80,000674
Service charges on deposit accounts$2,385,000165
Trading account gains and fees$0142
Additional Noninterest Income$9,823,000183
Total noninterest expense$45,778,000156
Salaries and employee benefits$18,957,000176
Premises and equipment expense$4,406,000171
Additional noninterest expense$22,415,000124
Pre-tax net operating income$14,085,000234
Securities gains (losses)$130,000415
Applicable income taxes$5,444,000209
Income before extraordinary items$8,771,000260
Extraordinary gains, net$012
Net income$8,771,000260
Minority interest net income$062
Net income of bank and minority interests.$8,771,000260
Net charge-offs$1,413,000175
Cash dividends$18,000,00088
Sale, conversion, retirement of capital stock, net$269,000150
Net operating income$8,687,800257
2015-12-31 (YTD Data)Rank
Total interest income$178,754,000192
Total interest expense$14,830,000212
Net interest income$163,924,000189
Provision for loan and lease losses$6,245,000183
Total noninterest income$44,121,000240
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$7,828,000194
Trading account gains and fees$0159
Additional Noninterest Income$36,293,000199
Total noninterest expense$126,168,000197
Salaries and employee benefits$64,369,000194
Premises and equipment expense$15,280,000190
Additional noninterest expense$46,519,000192
Pre-tax net operating income$75,632,000186
Securities gains (losses)$-4,0005,778
Applicable income taxes$27,739,000171
Income before extraordinary items$47,889,000208
Extraordinary gains, net$023
Net income$47,889,000208
Minority interest net income$081
Net income of bank and minority interests.$47,889,000208
Net charge-offs$4,293,000210
Cash dividends$40,000,000142
Sale, conversion, retirement of capital stock, net$596,000288
Net operating income$47,891,560206
2015-09-30 (YTD Data)Rank
Total interest income$132,407,000193
Total interest expense$11,041,000211
Net interest income$121,366,000193
Provision for loan and lease losses$3,531,000215
Total noninterest income$32,960,000241
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$5,909,000197
Trading account gains and fees$0153
Additional Noninterest Income$27,051,000205
Total noninterest expense$94,581,000204
Salaries and employee benefits$47,748,000199
Premises and equipment expense$11,465,000190
Additional noninterest expense$35,368,000197
Pre-tax net operating income$56,214,000195
Securities gains (losses)$82,0001,155
Applicable income taxes$21,114,000178
Income before extraordinary items$35,182,000215
Extraordinary gains, net$021
Net income$35,182,000215
Minority interest net income$078
Net income of bank and minority interests.$35,182,000215
Net charge-offs$2,348,000253
Cash dividends$34,500,000124
Sale, conversion, retirement of capital stock, net$368,000286
Net operating income$35,129,520213
2015-06-30 (YTD Data)Rank
Total interest income$88,082,000192
Total interest expense$7,222,000210
Net interest income$80,860,000192
Provision for loan and lease losses$1,955,000246
Total noninterest income$21,150,000247
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$3,884,000199
Trading account gains and fees$0157
Additional Noninterest Income$17,266,000216
Total noninterest expense$64,774,000199
Salaries and employee benefits$32,294,000198
Premises and equipment expense$7,715,000193
Additional noninterest expense$24,765,000192
Pre-tax net operating income$35,281,000208
Securities gains (losses)$82,000935
Applicable income taxes$12,793,000192
Income before extraordinary items$22,570,000223
Extraordinary gains, net$022
Net income$22,570,000223
Minority interest net income$075
Net income of bank and minority interests.$22,570,000223
Net charge-offs$1,414,000285
Cash dividends$31,000,000107
Sale, conversion, retirement of capital stock, net$132,000343
Net operating income$22,517,520222
2015-03-31 (YTD Data)Rank
Total interest income$43,858,000190
Total interest expense$3,494,000213
Net interest income$40,364,000189
Provision for loan and lease losses$961,000234
Total noninterest income$8,631,000277
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$1,923,000200
Trading account gains and fees$0152
Additional Noninterest Income$6,708,000243
Total noninterest expense$30,716,000210
Salaries and employee benefits$15,290,000208
Premises and equipment expense$3,954,000183
Additional noninterest expense$11,472,000207
Pre-tax net operating income$17,318,000201
Securities gains (losses)$02,027
Applicable income taxes$6,274,000188
Income before extraordinary items$11,044,000220
Extraordinary gains, net$013
Net income$11,044,000220
Minority interest net income$064
Net income of bank and minority interests.$11,044,000220
Net charge-offs$494,000363
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$69,000311
Net operating income$11,044,000217
2014-12-31 (YTD Data)Rank
Total interest income$134,409,000228
Total interest expense$9,914,000287
Net interest income$124,495,000220
Provision for loan and lease losses$3,413,000288
Total noninterest income$28,178,000293
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$5,717,000272
Trading account gains and fees$0180
Additional Noninterest Income$22,461,000253
Total noninterest expense$117,772,000211
Salaries and employee benefits$51,413,000229
Premises and equipment expense$12,674,000216
Additional noninterest expense$53,685,000188
Pre-tax net operating income$31,488,000320
Securities gains (losses)$126,0001,091
Applicable income taxes$11,696,000275
Income before extraordinary items$19,918,000376
Extraordinary gains, net$017
Net income$19,918,000376
Minority interest net income$084
Net income of bank and minority interests.$19,918,000376
Net charge-offs$2,639,000391
Cash dividends$10,000,000331
Sale, conversion, retirement of capital stock, net$896,000230
Net operating income$19,837,360370
2014-09-30 (YTD Data)Rank
Total interest income$89,211,000251
Total interest expense$6,625,000317
Net interest income$82,586,000237
Provision for loan and lease losses$2,570,000275
Total noninterest income$18,645,000320
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$3,556,000321
Trading account gains and fees$0174
Additional Noninterest Income$15,089,000268
Total noninterest expense$84,283,000217
Salaries and employee benefits$34,388,000261
Premises and equipment expense$8,507,000235
Additional noninterest expense$41,388,000180
Pre-tax net operating income$14,378,000465
Securities gains (losses)$122,000874
Applicable income taxes$5,878,000366
Income before extraordinary items$8,622,000592
Extraordinary gains, net$015
Net income$8,622,000589
Minority interest net income$081
Net income of bank and minority interests.$8,622,000591
Net charge-offs$1,972,000388
Cash dividends$6,000,000371
Sale, conversion, retirement of capital stock, net$757,000182
Net operating income$8,543,920586
2014-06-30 (YTD Data)Rank
Total interest income$37,207,000358
Total interest expense$3,697,000376
Net interest income$33,510,000361
Provision for loan and lease losses$-1,351,0006,582
Total noninterest income$8,441,000422
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$2,528,000296
Trading account gains and fees$0172
Additional Noninterest Income$5,913,000391
Total noninterest expense$30,492,000364
Salaries and employee benefits$16,344,000362
Premises and equipment expense$3,515,000381
Additional noninterest expense$10,633,000346
Pre-tax net operating income$12,810,000376
Securities gains (losses)$1,131,000109
Applicable income taxes$5,217,000289
Income before extraordinary items$8,724,000406
Extraordinary gains, net$020
Net income$8,724,000405
Minority interest net income$080
Net income of bank and minority interests.$8,724,000406
Net charge-offs$263,0001,360
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$215,000279
Net operating income$8,000,160429
2014-03-31 (YTD Data)Rank
Total interest income$18,676,000355
Total interest expense$1,882,000370
Net interest income$16,794,000362
Provision for loan and lease losses$-460,0006,622
Total noninterest income$4,164,000423
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$1,245,000293
Trading account gains and fees$0147
Additional Noninterest Income$2,919,000383
Total noninterest expense$15,761,000360
Salaries and employee benefits$8,417,000348
Premises and equipment expense$1,767,000392
Additional noninterest expense$5,577,000330
Pre-tax net operating income$5,657,000392
Securities gains (losses)$1,128,00077
Applicable income taxes$2,659,000274
Income before extraordinary items$4,126,000411
Extraordinary gains, net$016
Net income$4,126,000410
Minority interest net income$066
Net income of bank and minority interests.$4,126,000411
Net charge-offs$1,081,000286
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$115,000237
Net operating income$3,404,080466
2013-12-31 (YTD Data)Rank
Total interest income$74,537,000354
Total interest expense$9,494,000331
Net interest income$65,043,000360
Provision for loan and lease losses$-2,685,0006,739
Total noninterest income$23,391,000357
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$5,298,000293
Trading account gains and fees$0184
Additional Noninterest Income$18,093,000310
Total noninterest expense$58,523,000374
Salaries and employee benefits$33,711,000340
Premises and equipment expense$7,845,000332
Additional noninterest expense$16,967,000427
Pre-tax net operating income$32,596,000296
Securities gains (losses)$-2,355,0006,775
Applicable income taxes$10,401,000264
Income before extraordinary items$19,840,000366
Extraordinary gains, net$029
Net income$19,840,000366
Minority interest net income$090
Net income of bank and minority interests.$19,840,000366
Net charge-offs$4,401,000376
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$502,000285
Net operating income$21,394,300337
2013-09-30 (YTD Data)Rank
Total interest income$55,594,000356
Total interest expense$7,526,000319
Net interest income$48,068,000368
Provision for loan and lease losses$332,0001,965
Total noninterest income$19,105,000347
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$4,002,000294
Trading account gains and fees$0180
Additional Noninterest Income$15,103,000297
Total noninterest expense$44,546,000375
Salaries and employee benefits$25,389,000339
Premises and equipment expense$5,788,000334
Additional noninterest expense$13,369,000411
Pre-tax net operating income$22,295,000320
Securities gains (losses)$529,000391
Applicable income taxes$7,822,000277
Income before extraordinary items$15,002,000362
Extraordinary gains, net$025
Net income$15,002,000363
Minority interest net income$084
Net income of bank and minority interests.$15,002,000363
Net charge-offs$4,467,000297
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$378,000262
Net operating income$14,652,860364
2013-06-30 (YTD Data)Rank
Total interest income$36,912,000352
Total interest expense$5,380,000305
Net interest income$31,532,000369
Provision for loan and lease losses$292,0001,730
Total noninterest income$12,920,000352
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$2,640,000292
Trading account gains and fees$0157
Additional Noninterest Income$10,280,000298
Total noninterest expense$29,189,000381
Salaries and employee benefits$15,343,000378
Premises and equipment expense$3,770,000339
Additional noninterest expense$10,076,000372
Pre-tax net operating income$14,971,000318
Securities gains (losses)$276,000593
Applicable income taxes$5,206,000275
Income before extraordinary items$10,041,000351
Extraordinary gains, net$022
Net income$10,041,000353
Minority interest net income$082
Net income of bank and minority interests.$10,041,000353
Net charge-offs$2,517,000374
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$253,000239
Net operating income$9,858,840346
2013-03-31 (YTD Data)Rank
Total interest income$18,298,000357
Total interest expense$3,036,000274
Net interest income$15,262,000372
Provision for loan and lease losses$237,0001,193
Total noninterest income$6,651,000343
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$1,301,000294
Trading account gains and fees$0148
Additional Noninterest Income$5,350,000291
Total noninterest expense$14,210,000390
Salaries and employee benefits$7,390,000394
Premises and equipment expense$1,788,000365
Additional noninterest expense$5,032,000374
Pre-tax net operating income$7,466,000319
Securities gains (losses)$4,0001,680
Applicable income taxes$2,608,000283
Income before extraordinary items$4,862,000356
Extraordinary gains, net$010
Net income$4,862,000357
Minority interest net income$076
Net income of bank and minority interests.$4,862,000357
Net charge-offs$894,000514
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$128,000211
Net operating income$4,859,400347
2012-12-31 (YTD Data)Rank
Total interest income$79,064,000346
Total interest expense$17,034,000241
Net interest income$62,030,000369
Provision for loan and lease losses$40,374,00098
Total noninterest income$-478,0006,991
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$5,581,000284
Trading account gains and fees$0166
Additional Noninterest Income$-6,059,0007,076
Total noninterest expense$54,566,000404
Salaries and employee benefits$26,313,000415
Premises and equipment expense$7,280,000347
Additional noninterest expense$20,973,000378
Pre-tax net operating income$-33,388,0007,069
Securities gains (losses)$1,744,000313
Applicable income taxes$-23,960,0007,069
Income before extraordinary items$-7,684,0007,008
Extraordinary gains, net$029
Net income$-7,684,0007,008
Minority interest net income$093
Net income of bank and minority interests.$-7,684,0007,008
Net charge-offs$48,072,00094
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$420,000337
Net operating income$-8,800,1607,013
2012-09-30 (YTD Data)Rank
Total interest income$60,244,000350
Total interest expense$13,339,000244
Net interest income$46,905,000373
Provision for loan and lease losses$8,820,000244
Total noninterest income$6,691,000741
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$4,152,000284
Trading account gains and fees$0157
Additional Noninterest Income$2,539,0001,062
Total noninterest expense$39,902,000408
Salaries and employee benefits$19,378,000417
Premises and equipment expense$5,652,000330
Additional noninterest expense$14,872,000394
Pre-tax net operating income$4,874,0001,108
Securities gains (losses)$1,648,000250
Applicable income taxes$-9,329,0007,163
Income before extraordinary items$15,851,000336
Extraordinary gains, net$020
Net income$15,851,000335
Minority interest net income$086
Net income of bank and minority interests.$15,851,000336
Net charge-offs$14,436,000190
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$294,000307
Net operating income$14,203,000359
2012-06-30 (YTD Data)Rank
Total interest income$40,779,000343
Total interest expense$9,280,000238
Net interest income$31,499,000372
Provision for loan and lease losses$4,569,000329
Total noninterest income$4,467,000741
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$2,703,000291
Trading account gains and fees$0153
Additional Noninterest Income$1,764,0001,017
Total noninterest expense$26,202,000412
Salaries and employee benefits$12,464,000426
Premises and equipment expense$4,003,000310
Additional noninterest expense$9,735,000397
Pre-tax net operating income$5,195,000714
Securities gains (losses)$300,000861
Applicable income taxes$-9,383,0007,233
Income before extraordinary items$14,878,000255
Extraordinary gains, net$019
Net income$14,878,000253
Minority interest net income$084
Net income of bank and minority interests.$14,878,000255
Net charge-offs$8,619,000219
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$164,000295
Net operating income$14,578,000248
2012-03-31 (YTD Data)Rank
Total interest income$20,974,000336
Total interest expense$4,830,000236
Net interest income$16,144,000366
Provision for loan and lease losses$2,350,000305
Total noninterest income$3,349,000534
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$1,344,000285
Trading account gains and fees$0148
Additional Noninterest Income$2,005,000551
Total noninterest expense$13,474,000399
Salaries and employee benefits$6,732,000404
Premises and equipment expense$2,037,000306
Additional noninterest expense$4,705,000398
Pre-tax net operating income$3,669,000531
Securities gains (losses)$02,210
Applicable income taxes$04,704
Income before extraordinary items$3,669,000453
Extraordinary gains, net$019
Net income$3,669,000454
Minority interest net income$078
Net income of bank and minority interests.$3,669,000454
Net charge-offs$5,135,000193
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$36,000375
Net operating income$3,669,000432
2011-12-31 (YTD Data)Rank
Total interest income$89,156,000323
Total interest expense$25,097,000227
Net interest income$64,059,000358
Provision for loan and lease losses$20,843,000222
Total noninterest income$10,115,000603
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$5,894,000275
Trading account gains and fees$0146
Additional Noninterest Income$4,221,000806
Total noninterest expense$62,983,000339
Salaries and employee benefits$28,244,000360
Premises and equipment expense$9,063,000293
Additional noninterest expense$25,676,000325
Pre-tax net operating income$-9,652,0007,204
Securities gains (losses)$2,835,000169
Applicable income taxes$6,694,000333
Income before extraordinary items$-13,511,0007,254
Extraordinary gains, net$029
Net income$-13,511,0007,254
Minority interest net income$096
Net income of bank and minority interests.$-13,511,0007,254
Net charge-offs$25,748,000210
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$210,000524
Net operating income$-16,346,0007,273
2011-09-30 (YTD Data)Rank
Total interest income$68,209,000321
Total interest expense$19,948,000220
Net interest income$48,261,000357
Provision for loan and lease losses$17,216,000202
Total noninterest income$7,032,000648
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$4,385,000272
Trading account gains and fees$0145
Additional Noninterest Income$2,647,000921
Total noninterest expense$49,928,000319
Salaries and employee benefits$21,861,000346
Premises and equipment expense$7,100,000276
Additional noninterest expense$20,967,000288
Pre-tax net operating income$-11,851,0007,357
Securities gains (losses)$2,158,000178
Applicable income taxes$6,905,000271
Income before extraordinary items$-16,598,0007,384
Extraordinary gains, net$021
Net income$-16,598,0007,385
Minority interest net income$087
Net income of bank and minority interests.$-16,598,0007,384
Net charge-offs$21,295,000186
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$144,000502
Net operating income$-18,756,0007,385
2011-06-30 (YTD Data)Rank
Total interest income$46,659,000315
Total interest expense$14,232,000218
Net interest income$32,427,000357
Provision for loan and lease losses$15,259,000169
Total noninterest income$4,170,000705
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$2,782,000286
Trading account gains and fees$0153
Additional Noninterest Income$1,388,0001,076
Total noninterest expense$37,936,000291
Salaries and employee benefits$15,663,000316
Premises and equipment expense$4,939,000272
Additional noninterest expense$17,334,000250
Pre-tax net operating income$-16,598,0007,475
Securities gains (losses)$602,000306
Applicable income taxes$4,521,000264
Income before extraordinary items$-20,517,0007,479
Extraordinary gains, net$015
Net income$-20,517,0007,479
Minority interest net income$089
Net income of bank and minority interests.$-20,517,0007,479
Net charge-offs$17,359,000170
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$90,000421
Net operating income$-21,119,0007,481
2011-03-31 (YTD Data)Rank
Total interest income$23,556,000313
Total interest expense$7,663,000211
Net interest income$15,893,000357
Provision for loan and lease losses$4,867,000251
Total noninterest income$4,407,000407
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$1,345,000293
Trading account gains and fees$0158
Additional Noninterest Income$3,062,000372
Total noninterest expense$16,641,000322
Salaries and employee benefits$7,870,000321
Premises and equipment expense$2,404,000287
Additional noninterest expense$6,367,000315
Pre-tax net operating income$-1,208,0007,311
Securities gains (losses)$173,000382
Applicable income taxes$-509,0007,470
Income before extraordinary items$-526,0007,141
Extraordinary gains, net$09
Net income$-526,0007,142
Minority interest net income$086
Net income of bank and minority interests.$-526,0007,142
Net charge-offs$6,759,000214
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$37,000404
Net operating income$-636,7207,177
2010-12-31 (YTD Data)Rank
Total interest income$98,988,000310
Total interest expense$33,620,000233
Net interest income$65,368,000346
Provision for loan and lease losses$24,349,000301
Total noninterest income$18,022,000422
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$5,961,000267
Trading account gains and fees$0175
Additional Noninterest Income$12,061,000404
Total noninterest expense$61,245,000361
Salaries and employee benefits$29,538,000332
Premises and equipment expense$9,273,000296
Additional noninterest expense$22,434,000373
Pre-tax net operating income$-2,204,0006,807
Securities gains (losses)$2,179,000246
Applicable income taxes$-1,389,0007,386
Income before extraordinary items$1,364,0002,661
Extraordinary gains, net$029
Net income$1,364,0002,657
Minority interest net income$0111
Net income of bank and minority interests.$1,364,0002,662
Net charge-offs$35,222,000214
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$93,000796
Net operating income$-30,5605,897
2010-09-30 (YTD Data)Rank
Total interest income$74,270,000310
Total interest expense$25,064,000243
Net interest income$49,206,000344
Provision for loan and lease losses$18,073,000304
Total noninterest income$12,603,000432
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$4,463,000267
Trading account gains and fees$0165
Additional Noninterest Income$8,140,000413
Total noninterest expense$44,987,000356
Salaries and employee benefits$21,852,000333
Premises and equipment expense$6,906,000299
Additional noninterest expense$16,229,000360
Pre-tax net operating income$-1,251,0006,866
Securities gains (losses)$887,000453
Applicable income taxes$-566,0007,389
Income before extraordinary items$202,0005,288
Extraordinary gains, net$023
Net income$202,0005,290
Minority interest net income$0110
Net income of bank and minority interests.$202,0005,291
Net charge-offs$21,963,000236
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$68,000762
Net operating income$-365,6806,511
2010-06-30 (YTD Data)Rank
Total interest income$49,050,000315
Total interest expense$16,345,000255
Net interest income$32,705,000346
Provision for loan and lease losses$10,193,000354
Total noninterest income$7,357,000469
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$2,924,000271
Trading account gains and fees$0152
Additional Noninterest Income$4,433,000460
Total noninterest expense$28,094,000382
Salaries and employee benefits$13,604,000356
Premises and equipment expense$4,381,000315
Additional noninterest expense$10,109,000376
Pre-tax net operating income$1,775,0001,467
Securities gains (losses)$887,000290
Applicable income taxes$733,000896
Income before extraordinary items$1,929,0001,160
Extraordinary gains, net$019
Net income$1,929,0001,161
Minority interest net income$0105
Net income of bank and minority interests.$1,929,0001,161
Net charge-offs$14,512,000251
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$43,000709
Net operating income$1,290,3601,616
2010-03-31 (YTD Data)Rank
Total interest income$24,791,000325
Total interest expense$7,849,000281
Net interest income$16,942,000335
Provision for loan and lease losses$4,384,000418
Total noninterest income$3,131,000506
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$1,438,000278
Trading account gains and fees$0175
Additional Noninterest Income$1,693,000543
Total noninterest expense$13,647,000392
Salaries and employee benefits$6,664,000369
Premises and equipment expense$2,212,000323
Additional noninterest expense$4,771,000393
Pre-tax net operating income$2,042,000665
Securities gains (losses)$43,0001,209
Applicable income taxes$756,000476
Income before extraordinary items$1,329,000824
Extraordinary gains, net$016
Net income$1,329,000828
Minority interest net income$091
Net income of bank and minority interests.$1,329,000828
Net charge-offs$7,610,000244
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$19,000674
Net operating income$1,301,480811
2009-12-31 (YTD Data)Rank
Total interest income$95,580,000352
Total interest expense$31,686,000351
Net interest income$63,894,000342
Provision for loan and lease losses$48,439,000251
Total noninterest income$23,262,000356
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$5,721,000304
Trading account gains and fees$0211
Additional Noninterest Income$17,541,000299
Total noninterest expense$121,817,000197
Salaries and employee benefits$28,626,000337
Premises and equipment expense$7,662,000354
Additional noninterest expense$85,529,000145
Pre-tax net operating income$-83,100,0007,919
Securities gains (losses)$-4,0006,931
Applicable income taxes$-8,875,0007,855
Income before extraordinary items$-74,229,0007,916
Extraordinary gains, net$034
Net income$-74,229,0007,915
Minority interest net income$0115
Net income of bank and minority interests.$-74,229,0007,915
Net charge-offs$22,169,000383
Cash dividends$1,658,0001,083
Sale, conversion, retirement of capital stock, net$74,000977
Net operating income$-74,225,4407,914
2009-09-30 (YTD Data)Rank
Total interest income$70,106,000375
Total interest expense$24,198,000374
Net interest income$45,908,000367
Provision for loan and lease losses$45,293,000215
Total noninterest income$17,337,000360
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$4,149,000312
Trading account gains and fees$0212
Additional Noninterest Income$13,188,000301
Total noninterest expense$107,796,000183
Salaries and employee benefits$21,688,000342
Premises and equipment expense$5,597,000370
Additional noninterest expense$80,511,000127
Pre-tax net operating income$-89,844,0008,026
Securities gains (losses)$-4,0007,168
Applicable income taxes$-11,505,0007,989
Income before extraordinary items$-78,343,0008,015
Extraordinary gains, net$027
Net income$-78,343,0008,014
Minority interest net income$0118
Net income of bank and minority interests.$-78,343,0008,014
Net charge-offs$13,378,000420
Cash dividends$1,658,000776
Sale, conversion, retirement of capital stock, net$55,000904
Net operating income$-78,339,5208,019
2009-06-30 (YTD Data)Rank
Total interest income$43,425,000409
Total interest expense$16,020,000399
Net interest income$27,405,000408
Provision for loan and lease losses$27,007,000235
Total noninterest income$12,711,000340
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$2,572,000333
Trading account gains and fees$0193
Additional Noninterest Income$10,139,000274
Total noninterest expense$30,219,000386
Salaries and employee benefits$13,926,000363
Premises and equipment expense$3,528,000399
Additional noninterest expense$12,765,000372
Pre-tax net operating income$-17,110,0008,006
Securities gains (losses)$-4,0007,416
Applicable income taxes$-7,190,0008,069
Income before extraordinary items$-9,924,0007,948
Extraordinary gains, net$021
Net income$-9,924,0007,948
Minority interest net income$0112
Net income of bank and minority interests.$-9,924,0007,947
Net charge-offs$3,119,000838
Cash dividends$1,658,000538
Sale, conversion, retirement of capital stock, net$37,000880
Net operating income$-9,921,4407,951
2009-03-31 (YTD Data)Rank
Total interest income$17,599,000506
Total interest expense$7,852,000426
Net interest income$9,747,000560
Provision for loan and lease losses$10,550,000244
Total noninterest income$5,273,000353
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$1,047,000384
Trading account gains and fees$0171
Additional Noninterest Income$4,226,000285
Total noninterest expense$11,535,000447
Salaries and employee benefits$5,627,000443
Premises and equipment expense$1,503,000470
Additional noninterest expense$4,405,000414
Pre-tax net operating income$-7,065,0008,076
Securities gains (losses)$02,434
Applicable income taxes$-2,994,0008,128
Income before extraordinary items$-4,071,0008,026
Extraordinary gains, net$015
Net income$-4,071,0008,027
Minority interest net income$0102
Net income of bank and minority interests.$-4,071,0008,027
Net charge-offs$2,000,000602
Cash dividends$692,000647
Sale, conversion, retirement of capital stock, net$19,000762
Net operating income$-4,071,0008,030
2008-12-31 (YTD Data)Rank
Total interest income$74,713,000507
Total interest expense$33,752,000474
Net interest income$40,961,000541
Provision for loan and lease losses$11,109,000552
Total noninterest income$16,427,000412
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$4,394,000399
Trading account gains and fees$0154
Additional Noninterest Income$12,033,000340
Total noninterest expense$39,333,000516
Salaries and employee benefits$19,920,000488
Premises and equipment expense$5,309,000514
Additional noninterest expense$14,104,000500
Pre-tax net operating income$6,946,000795
Securities gains (losses)$-1,016,0007,750
Applicable income taxes$1,241,0001,006
Income before extraordinary items$4,689,000864
Extraordinary gains, net$039
Net income$4,689,000864
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,857,0001,037
Cash dividends$5,983,000487
Sale, conversion, retirement of capital stock, net$319,000657
Net operating income$5,491,640790
2008-09-30 (YTD Data)Rank
Total interest income$56,517,000520
Total interest expense$25,559,000497
Net interest income$30,958,000547
Provision for loan and lease losses$3,492,000821
Total noninterest income$11,957,000445
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$3,246,000412
Trading account gains and fees$0148
Additional Noninterest Income$8,711,000379
Total noninterest expense$28,535,000521
Salaries and employee benefits$15,052,000501
Premises and equipment expense$4,027,000516
Additional noninterest expense$9,456,000520
Pre-tax net operating income$10,888,000467
Securities gains (losses)$-973,0007,917
Applicable income taxes$2,907,000477
Income before extraordinary items$7,008,000521
Extraordinary gains, net$031
Net income$7,008,000520
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,069,0001,249
Cash dividends$4,481,000505
Sale, conversion, retirement of capital stock, net$300,000486
Net operating income$7,698,830497
2008-06-30 (YTD Data)Rank
Total interest income$37,076,000530
Total interest expense$17,006,000513
Net interest income$20,070,000557
Provision for loan and lease losses$2,158,000744
Total noninterest income$7,911,000463
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$2,075,000413
Trading account gains and fees$0149
Additional Noninterest Income$5,836,000399
Total noninterest expense$18,744,000534
Salaries and employee benefits$9,916,000505
Premises and equipment expense$2,557,000538
Additional noninterest expense$6,271,000510
Pre-tax net operating income$7,079,000511
Securities gains (losses)$-7,0008,091
Applicable income taxes$2,112,000496
Income before extraordinary items$4,960,000558
Extraordinary gains, net$021
Net income$4,960,000556
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$369,0001,581
Cash dividends$2,983,000564
Sale, conversion, retirement of capital stock, net$281,000352
Net operating income$4,964,900545
2008-03-31 (YTD Data)Rank
Total interest income$18,307,000554
Total interest expense$8,462,000558
Net interest income$9,845,000565
Provision for loan and lease losses$450,0001,056
Total noninterest income$3,516,000510
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$1,009,000420
Trading account gains and fees$0158
Additional Noninterest Income$2,507,000444
Total noninterest expense$8,609,000561
Salaries and employee benefits$4,868,000518
Premises and equipment expense$1,118,000621
Additional noninterest expense$2,623,000573
Pre-tax net operating income$4,302,000466
Securities gains (losses)$02,688
Applicable income taxes$1,279,000491
Income before extraordinary items$3,023,000507
Extraordinary gains, net$015
Net income$3,023,000508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0008,066
Cash dividends$1,488,000548
Sale, conversion, retirement of capital stock, net$184,000224
Net operating income$3,023,000482
2007-12-31 (YTD Data)Rank
Total interest income$76,843,000555
Total interest expense$33,224,000604
Net interest income$43,619,000519
Provision for loan and lease losses$2,489,000702
Total noninterest income$13,732,000494
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$3,948,000441
Trading account gains and fees$0178
Additional Noninterest Income$9,784,000411
Total noninterest expense$32,826,000570
Salaries and employee benefits$19,161,000508
Premises and equipment expense$4,461,000592
Additional noninterest expense$9,204,000630
Pre-tax net operating income$22,036,000429
Securities gains (losses)$45,000831
Applicable income taxes$7,201,000418
Income before extraordinary items$14,880,000455
Extraordinary gains, net$039
Net income$14,880,000453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$873,0001,137
Cash dividends$6,603,000584
Sale, conversion, retirement of capital stock, net$69,0001,014
Net operating income$14,849,850445
2007-09-30 (YTD Data)Rank
Total interest income$57,167,000558
Total interest expense$24,501,000613
Net interest income$32,666,000520
Provision for loan and lease losses$800,0001,092
Total noninterest income$10,383,000496
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,940,000435
Trading account gains and fees$0184
Additional Noninterest Income$7,443,000416
Total noninterest expense$24,832,000557
Salaries and employee benefits$14,453,000509
Premises and equipment expense$3,397,000576
Additional noninterest expense$6,982,000603
Pre-tax net operating income$17,417,000445
Securities gains (losses)$45,000644
Applicable income taxes$5,716,000438
Income before extraordinary items$11,746,000473
Extraordinary gains, net$033
Net income$11,746,000471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$400,0001,264
Cash dividends$5,128,000559
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$11,715,850463
2007-06-30 (YTD Data)Rank
Total interest income$37,555,000576
Total interest expense$15,997,000630
Net interest income$21,558,000537
Provision for loan and lease losses$500,0001,024
Total noninterest income$7,186,000496
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,937,000450
Trading account gains and fees$0168
Additional Noninterest Income$5,249,000424
Total noninterest expense$16,791,000567
Salaries and employee benefits$9,828,000521
Premises and equipment expense$2,274,000592
Additional noninterest expense$4,689,000605
Pre-tax net operating income$11,453,000477
Securities gains (losses)$01,444
Applicable income taxes$3,671,000475
Income before extraordinary items$7,782,000507
Extraordinary gains, net$029
Net income$7,782,000506
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0002,769
Cash dividends$2,954,000659
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$7,782,000494
2007-03-31 (YTD Data)Rank
Total interest income$18,410,000579
Total interest expense$7,758,000644
Net interest income$10,652,000544
Provision for loan and lease losses$300,000788
Total noninterest income$3,571,000490
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$983,000424
Trading account gains and fees$0195
Additional Noninterest Income$2,588,000425
Total noninterest expense$8,171,000577
Salaries and employee benefits$4,839,000531
Premises and equipment expense$1,155,000587
Additional noninterest expense$2,177,000638
Pre-tax net operating income$5,752,000481
Securities gains (losses)$01,187
Applicable income taxes$1,819,000477
Income before extraordinary items$3,933,000495
Extraordinary gains, net$022
Net income$3,933,000494
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0001,982
Cash dividends$1,272,000664
Sale, conversion, retirement of capital stock, net$0885
Net operating income$3,933,000485
2006-12-31 (YTD Data)Rank
Total interest income$69,083,000581
Total interest expense$26,428,000647
Net interest income$42,655,000539
Provision for loan and lease losses$2,165,000522
Total noninterest income$12,691,000521
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$3,844,000447
Trading account gains and fees$0130
Additional Noninterest Income$8,847,000450
Total noninterest expense$32,053,000565
Salaries and employee benefits$18,693,000503
Premises and equipment expense$4,413,000571
Additional noninterest expense$8,947,000617
Pre-tax net operating income$21,128,000517
Securities gains (losses)$-86,0008,149
Applicable income taxes$7,172,000486
Income before extraordinary items$13,870,000558
Extraordinary gains, net$051
Net income$13,870,000557
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$810,000830
Cash dividends$6,847,000542
Sale, conversion, retirement of capital stock, net$-453,0008,640
Net operating income$13,926,760550
2006-09-30 (YTD Data)Rank
Total interest income$50,364,000603
Total interest expense$18,754,000666
Net interest income$31,610,000559
Provision for loan and lease losses$1,640,000485
Total noninterest income$9,445,000533
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$2,842,000462
Trading account gains and fees$0126
Additional Noninterest Income$6,603,000467
Total noninterest expense$24,011,000580
Salaries and employee benefits$14,022,000525
Premises and equipment expense$3,292,000588
Additional noninterest expense$6,697,000627
Pre-tax net operating income$15,404,000550
Securities gains (losses)$19,000755
Applicable income taxes$5,390,000511
Income before extraordinary items$10,033,000601
Extraordinary gains, net$045
Net income$10,033,000601
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$499,000804
Cash dividends$5,573,000475
Sale, conversion, retirement of capital stock, net$-489,0008,718
Net operating income$10,020,650589
2006-06-30 (YTD Data)Rank
Total interest income$32,500,000613
Total interest expense$11,689,000673
Net interest income$20,811,000567
Provision for loan and lease losses$1,115,000461
Total noninterest income$5,904,000555
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,841,000468
Trading account gains and fees$0126
Additional Noninterest Income$4,063,000490
Total noninterest expense$15,821,000597
Salaries and employee benefits$9,124,000545
Premises and equipment expense$2,093,000622
Additional noninterest expense$4,604,000620
Pre-tax net operating income$9,779,000576
Securities gains (losses)$19,000610
Applicable income taxes$3,450,000528
Income before extraordinary items$6,348,000629
Extraordinary gains, net$039
Net income$6,348,000627
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$312,000810
Cash dividends$2,451,000694
Sale, conversion, retirement of capital stock, net$-489,0008,755
Net operating income$6,335,650616
2006-03-31 (YTD Data)Rank
Total interest income$15,380,000624
Total interest expense$5,241,000704
Net interest income$10,139,000574
Provision for loan and lease losses$565,000433
Total noninterest income$2,807,000570
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$918,000452
Trading account gains and fees$0115
Additional Noninterest Income$1,889,000511
Total noninterest expense$7,943,000584
Salaries and employee benefits$4,565,000545
Premises and equipment expense$1,068,000603
Additional noninterest expense$2,310,000610
Pre-tax net operating income$4,438,000603
Securities gains (losses)$12,000541
Applicable income taxes$1,522,000582
Income before extraordinary items$2,928,000666
Extraordinary gains, net$021
Net income$2,928,000665
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0001,294
Cash dividends$1,173,000662
Sale, conversion, retirement of capital stock, net$-338,0008,770
Net operating income$2,920,080651
2005-12-31 (YTD Data)Rank
Total interest income$54,199,000616
Total interest expense$18,586,000616
Net interest income$35,613,000613
Provision for loan and lease losses$1,724,000616
Total noninterest income$11,993,000548
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$3,611,000472
Trading account gains and fees$0138
Additional Noninterest Income$8,382,000479
Total noninterest expense$29,332,000602
Salaries and employee benefits$17,019,000546
Premises and equipment expense$3,690,000672
Additional noninterest expense$8,623,000636
Pre-tax net operating income$16,550,000623
Securities gains (losses)$8,0001,546
Applicable income taxes$5,399,000608
Income before extraordinary items$11,159,000665
Extraordinary gains, net$046
Net income$11,159,000666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$904,000733
Cash dividends$4,595,000717
Sale, conversion, retirement of capital stock, net$-300,0008,787
Net operating income$11,153,640650
2005-09-30 (YTD Data)Rank
Total interest income$39,081,000621
Total interest expense$13,187,000614
Net interest income$25,894,000622
Provision for loan and lease losses$1,262,000611
Total noninterest income$9,098,000548
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$2,760,000462
Trading account gains and fees$0126
Additional Noninterest Income$6,338,000482
Total noninterest expense$21,580,000610
Salaries and employee benefits$12,548,000548
Premises and equipment expense$2,675,000684
Additional noninterest expense$6,357,000644
Pre-tax net operating income$12,150,000628
Securities gains (losses)$12,0001,416
Applicable income taxes$3,957,000623
Income before extraordinary items$8,205,000676
Extraordinary gains, net$035
Net income$8,205,000676
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$612,000713
Cash dividends$3,420,000653
Sale, conversion, retirement of capital stock, net$-96,0008,809
Net operating income$8,196,960654
2005-06-30 (YTD Data)Rank
Total interest income$24,902,000629
Total interest expense$8,185,000613
Net interest income$16,717,000632
Provision for loan and lease losses$764,000663
Total noninterest income$5,870,000555
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$1,787,000464
Trading account gains and fees$0116
Additional Noninterest Income$4,083,000480
Total noninterest expense$14,008,000620
Salaries and employee benefits$8,154,000560
Premises and equipment expense$1,735,000692
Additional noninterest expense$4,119,000647
Pre-tax net operating income$7,815,000635
Securities gains (losses)$1,0001,973
Applicable income taxes$2,546,000635
Income before extraordinary items$5,270,000681
Extraordinary gains, net$030
Net income$5,270,000681
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$409,000704
Cash dividends$2,244,000648
Sale, conversion, retirement of capital stock, net$-100,0008,835
Net operating income$5,269,330663
2005-03-31 (YTD Data)Rank
Total interest income$11,909,000636
Total interest expense$3,841,000623
Net interest income$8,068,000641
Provision for loan and lease losses$382,000614
Total noninterest income$2,884,000548
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$842,000470
Trading account gains and fees$0115
Additional Noninterest Income$2,042,000468
Total noninterest expense$6,974,000613
Salaries and employee benefits$4,025,000557
Premises and equipment expense$873,000688
Additional noninterest expense$2,076,000639
Pre-tax net operating income$3,596,000685
Securities gains (losses)$1,0001,514
Applicable income taxes$1,134,000689
Income before extraordinary items$2,463,000724
Extraordinary gains, net$024
Net income$2,463,000724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$353,000456
Cash dividends$1,068,000624
Sale, conversion, retirement of capital stock, net$-123,0008,911
Net operating income$2,462,320703
2004-12-31 (YTD Data)Rank
Total interest income$42,779,000658
Total interest expense$12,082,000678
Net interest income$30,697,000653
Provision for loan and lease losses$1,620,000667
Total noninterest income$9,107,000659
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$4,245,000408
Trading account gains and fees$0138
Additional Noninterest Income$4,862,000687
Total noninterest expense$24,196,000674
Salaries and employee benefits$13,477,000635
Premises and equipment expense$2,735,000826
Additional noninterest expense$7,984,000653
Pre-tax net operating income$13,988,000649
Securities gains (losses)$57,0001,637
Applicable income taxes$4,560,000641
Income before extraordinary items$9,485,000701
Extraordinary gains, net$034
Net income$9,485,000702
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,192,000681
Cash dividends$4,237,000718
Sale, conversion, retirement of capital stock, net$-833,0008,936
Net operating income$9,446,240680
2004-09-30 (YTD Data)Rank
Total interest income$31,749,000654
Total interest expense$8,770,000691
Net interest income$22,979,000645
Provision for loan and lease losses$1,350,000582
Total noninterest income$6,078,000720
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$3,282,000400
Trading account gains and fees$0134
Additional Noninterest Income$2,796,000848
Total noninterest expense$17,423,000690
Salaries and employee benefits$9,456,000668
Premises and equipment expense$1,958,000857
Additional noninterest expense$6,009,000646
Pre-tax net operating income$10,284,000671
Securities gains (losses)$30,0002,041
Applicable income taxes$3,375,000664
Income before extraordinary items$6,939,000731
Extraordinary gains, net$026
Net income$6,939,000732
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$922,000608
Cash dividends$3,167,000665
Sale, conversion, retirement of capital stock, net$-640,0008,997
Net operating income$6,918,900703
2004-06-30 (YTD Data)Rank
Total interest income$20,393,000672
Total interest expense$5,842,000673
Net interest income$14,551,000671
Provision for loan and lease losses$945,000545
Total noninterest income$4,437,000676
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$2,199,000397
Trading account gains and fees$0130
Additional Noninterest Income$2,238,000734
Total noninterest expense$11,452,000699
Salaries and employee benefits$6,225,000678
Premises and equipment expense$1,260,000886
Additional noninterest expense$3,967,000658
Pre-tax net operating income$6,591,000688
Securities gains (losses)$03,413
Applicable income taxes$2,152,000684
Income before extraordinary items$4,439,000751
Extraordinary gains, net$021
Net income$4,439,000751
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$748,000533
Cash dividends$2,098,000673
Sale, conversion, retirement of capital stock, net$-566,0009,060
Net operating income$4,439,000713
2004-03-31 (YTD Data)Rank
Total interest income$10,194,000682
Total interest expense$2,955,000683
Net interest income$7,239,000674
Provision for loan and lease losses$540,000489
Total noninterest income$2,244,000663
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,035,000414
Trading account gains and fees$0121
Additional Noninterest Income$1,209,000691
Total noninterest expense$5,488,000734
Salaries and employee benefits$3,032,000711
Premises and equipment expense$589,000988
Additional noninterest expense$1,867,000679
Pre-tax net operating income$3,455,000647
Securities gains (losses)$02,934
Applicable income taxes$1,135,000667
Income before extraordinary items$2,320,000717
Extraordinary gains, net$016
Net income$2,320,000717
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$170,000912
Cash dividends$1,052,000638
Sale, conversion, retirement of capital stock, net$77,000274
Net operating income$2,320,000664
2003-12-31 (YTD Data)Rank
Total interest income$33,192,000840
Total interest expense$10,281,000862
Net interest income$22,911,000840
Provision for loan and lease losses$1,280,000921
Total noninterest income$7,089,000858
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$3,095,000560
Trading account gains and fees$0160
Additional Noninterest Income$3,994,000898
Total noninterest expense$15,976,0001,024
Salaries and employee benefits$9,010,000952
Premises and equipment expense$1,765,0001,291
Additional noninterest expense$5,201,000982
Pre-tax net operating income$12,744,000686
Securities gains (losses)$301,0001,043
Applicable income taxes$4,126,000724
Income before extraordinary items$8,919,000727
Extraordinary gains, net$054
Net income$8,919,000729
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,310,000744
Cash dividends$3,667,000843
Sale, conversion, retirement of capital stock, net$65,000702
Net operating income$8,714,320701
2003-09-30 (YTD Data)Rank
Total interest income$25,431,000852
Total interest expense$7,850,000883
Net interest income$17,581,000824
Provision for loan and lease losses$1,040,000871
Total noninterest income$5,465,000872
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,261,000581
Trading account gains and fees$0153
Additional Noninterest Income$3,204,000886
Total noninterest expense$12,208,0001,018
Salaries and employee benefits$6,966,000934
Premises and equipment expense$1,372,0001,243
Additional noninterest expense$3,870,000992
Pre-tax net operating income$9,798,000698
Securities gains (losses)$91,0001,834
Applicable income taxes$3,101,000753
Income before extraordinary items$6,788,000757
Extraordinary gains, net$040
Net income$6,788,000758
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$489,0001,183
Cash dividends$2,618,000820
Sale, conversion, retirement of capital stock, net$-98,0009,169
Net operating income$6,725,210711
2003-06-30 (YTD Data)Rank
Total interest income$17,008,000859
Total interest expense$5,358,000895
Net interest income$11,650,000836
Provision for loan and lease losses$680,000898
Total noninterest income$4,398,000742
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,498,000573
Trading account gains and fees$0150
Additional Noninterest Income$2,900,000691
Total noninterest expense$8,590,000953
Salaries and employee benefits$4,947,000871
Premises and equipment expense$932,0001,223
Additional noninterest expense$2,711,000935
Pre-tax net operating income$6,778,000675
Securities gains (losses)$-80,0009,184
Applicable income taxes$2,083,000752
Income before extraordinary items$4,615,000748
Extraordinary gains, net$030
Net income$4,615,000749
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0003,193
Cash dividends$1,740,000847
Sale, conversion, retirement of capital stock, net$-311,0009,231
Net operating income$4,670,200682
2003-03-31 (YTD Data)Rank
Total interest income$8,477,000869
Total interest expense$2,695,000907
Net interest income$5,782,000840
Provision for loan and lease losses$372,000792
Total noninterest income$2,262,000724
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$705,000593
Trading account gains and fees$0134
Additional Noninterest Income$1,557,000646
Total noninterest expense$4,337,000942
Salaries and employee benefits$2,508,000854
Premises and equipment expense$464,0001,233
Additional noninterest expense$1,365,000919
Pre-tax net operating income$3,335,000684
Securities gains (losses)$-62,0009,237
Applicable income taxes$947,000838
Income before extraordinary items$2,326,000736
Extraordinary gains, net$021
Net income$2,326,000735
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,0008,705
Cash dividends$870,000784
Sale, conversion, retirement of capital stock, net$-687,0009,298
Net operating income$2,370,020665
2002-12-31 (YTD Data)Rank
Total interest income$28,157,0001,097
Total interest expense$9,864,0001,142
Net interest income$18,293,0001,051
Provision for loan and lease losses$1,460,000966
Total noninterest income$5,544,000951
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$2,329,000693
Trading account gains and fees$0153
Additional Noninterest Income$3,215,000956
Total noninterest expense$11,717,0001,319
Salaries and employee benefits$6,459,0001,251
Premises and equipment expense$1,382,0001,601
Additional noninterest expense$3,876,0001,243
Pre-tax net operating income$10,660,000818
Securities gains (losses)$-156,0009,174
Applicable income taxes$3,463,000810
Income before extraordinary items$7,041,000890
Extraordinary gains, net$070
Net income$7,041,000888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$960,0001,006
Cash dividends$3,160,000890
Sale, conversion, retirement of capital stock, net$-1,481,0009,330
Net operating income$7,145,520845
2001-12-31 (YTD Data)Rank
Total interest income$26,860,0001,277
Total interest expense$12,233,0001,333
Net interest income$14,627,0001,212
Provision for loan and lease losses$1,350,000989
Total noninterest income$3,561,0001,289
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,315,0001,121
Trading account gains and fees$0177
Additional Noninterest Income$2,246,0001,142
Total noninterest expense$8,183,0001,777
Salaries and employee benefits$4,629,0001,618
Premises and equipment expense$1,044,0002,036
Additional noninterest expense$2,510,0001,823
Pre-tax net operating income$8,655,000873
Securities gains (losses)$207,0001,165
Applicable income taxes$2,857,000872
Income before extraordinary items$6,005,000916
Extraordinary gains, net$0105
Net income$6,005,000917
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,455,000721
Cash dividends$2,897,000963
Sale, conversion, retirement of capital stock, net$-1,963,0009,592
Net operating income$5,864,240899
2000-12-31 (YTD Data)Rank
Total interest income$29,200,0001,203
Total interest expense$13,029,0001,335
Net interest income$16,171,0001,097
Provision for loan and lease losses$525,0001,802
Total noninterest income$2,607,0001,531
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,134,0001,197
Trading account gains and fees$0180
Additional Noninterest Income$1,473,0001,398
Total noninterest expense$7,991,0001,746
Salaries and employee benefits$4,781,0001,483
Premises and equipment expense$1,006,0002,049
Additional noninterest expense$2,204,0001,980
Pre-tax net operating income$10,262,000763
Securities gains (losses)$-39,0009,081
Applicable income taxes$3,490,000729
Income before extraordinary items$6,733,000803
Extraordinary gains, net$038
Net income$6,733,000803
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$472,0001,290
Cash dividends$2,715,0001,052
Sale, conversion, retirement of capital stock, net$-1,229,0009,858
Net operating income$6,758,740799
1999-12-31 (YTD Data)Rank
Total interest income$26,457,0001,231
Total interest expense$10,958,0001,368
Net interest income$15,499,0001,130
Provision for loan and lease losses$500,0001,756
Total noninterest income$2,603,0001,516
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,144,0001,160
Trading account gains and fees$0173
Additional Noninterest Income$1,459,0001,428
Total noninterest expense$7,979,0001,727
Salaries and employee benefits$4,586,0001,521
Premises and equipment expense$994,0002,059
Additional noninterest expense$2,399,0001,833
Pre-tax net operating income$9,623,000853
Securities gains (losses)$-29,0009,649
Applicable income taxes$3,370,000798
Income before extraordinary items$6,224,000905
Extraordinary gains, net$035
Net income$6,224,000905
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$194,0002,444
Cash dividends$2,264,0001,240
Sale, conversion, retirement of capital stock, net$-284,00010,134
Net operating income$6,242,850890
1998-12-31 (YTD Data)Rank
Total interest income$25,834,0001,252
Total interest expense$11,688,0001,329
Net interest income$14,146,0001,196
Provision for loan and lease losses$685,0001,337
Total noninterest income$2,626,0001,491
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$987,0001,259
Trading account gains and fees$0224
Additional Noninterest Income$1,639,0001,324
Total noninterest expense$7,714,0001,695
Salaries and employee benefits$4,346,0001,508
Premises and equipment expense$1,004,0001,959
Additional noninterest expense$2,364,0001,790
Pre-tax net operating income$8,373,000934
Securities gains (losses)$205,000905
Applicable income taxes$2,965,000882
Income before extraordinary items$5,613,000958
Extraordinary gains, net$032
Net income$5,613,000957
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$413,0001,469
Cash dividends$1,703,0001,498
Sale, conversion, retirement of capital stock, net$138,000719
Net operating income$5,479,750961
1997-12-31 (YTD Data)Rank
Total interest income$24,719,0001,340
Total interest expense$11,527,0001,362
Net interest income$13,192,0001,313
Provision for loan and lease losses$625,0001,456
Total noninterest income$1,777,0001,946
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$920,0001,403
Trading account gains and fees$0239
Additional Noninterest Income$857,0001,938
Total noninterest expense$6,684,0001,928
Salaries and employee benefits$3,927,0001,674
Premises and equipment expense$932,0002,110
Additional noninterest expense$1,825,0002,281
Pre-tax net operating income$7,660,0001,056
Securities gains (losses)$-1,0009,009
Applicable income taxes$2,614,0001,055
Income before extraordinary items$5,045,0001,096
Extraordinary gains, net$044
Net income$5,045,0001,097
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$582,0001,190
Cash dividends$1,449,0001,662
Sale, conversion, retirement of capital stock, net$284,000621
Net operating income$5,045,6601,067
1996-12-31 (YTD Data)Rank
Total interest income$23,094,0001,461
Total interest expense$11,178,0001,446
Net interest income$11,916,0001,496
Provision for loan and lease losses$430,0001,967
Total noninterest income$1,805,0002,007
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$911,0001,474
Trading account gains and fees$0262
Additional Noninterest Income$894,0001,954
Total noninterest expense$6,332,0002,169
Salaries and employee benefits$3,603,0001,833
Premises and equipment expense$881,0002,252
Additional noninterest expense$1,848,0002,634
Pre-tax net operating income$6,959,0001,076
Securities gains (losses)$-23,00010,703
Applicable income taxes$2,349,0001,064
Income before extraordinary items$4,587,0001,123
Extraordinary gains, net$053
Net income$4,587,0001,124
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$309,0002,036
Cash dividends$1,139,0001,951
Sale, conversion, retirement of capital stock, net$186,000589
Net operating income$4,602,1801,104
1995-12-31 (YTD Data)Rank
Total interest income$21,148,0001,601
Total interest expense$9,766,0001,630
Net interest income$11,382,0001,573
Provision for loan and lease losses$420,0001,793
Total noninterest income$1,341,0002,483
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$809,0001,666
Trading account gains and fees$0522
Additional Noninterest Income$532,0002,754
Total noninterest expense$5,849,0002,329
Salaries and employee benefits$3,357,0001,975
Premises and equipment expense$785,0002,523
Additional noninterest expense$1,707,0002,739
Pre-tax net operating income$6,454,0001,195
Securities gains (losses)$-160,00011,631
Applicable income taxes$2,114,0001,223
Income before extraordinary items$4,180,0001,270
Extraordinary gains, net$065
Net income$4,180,0001,268
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$241,0002,228
Cash dividends$866,0002,289
Sale, conversion, retirement of capital stock, net$99,000574
Net operating income$4,285,6001,212
1994-12-31 (YTD Data)Rank
Total interest income$17,756,0001,729
Total interest expense$7,351,0001,703
Net interest income$10,405,0001,737
Provision for loan and lease losses$405,0001,806
Total noninterest income$1,324,0002,539
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$771,0001,753
Trading account gains and fees$0475
Additional Noninterest Income$553,0002,755
Total noninterest expense$6,045,0002,325
Salaries and employee benefits$3,085,0002,147
Premises and equipment expense$720,0002,762
Additional noninterest expense$2,240,0002,344
Pre-tax net operating income$5,279,0001,392
Securities gains (losses)$-152,00011,798
Applicable income taxes$1,614,0001,452
Income before extraordinary items$3,513,0001,414
Extraordinary gains, net$0249
Net income$3,513,0001,412
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$164,0002,833
Cash dividends$751,0002,387
Sale, conversion, retirement of capital stock, net$241,000662
Net operating income$3,617,8801,395
1993-12-31 (YTD Data)Rank
Total interest income$15,935,0001,969
Total interest expense$6,995,0001,860
Net interest income$8,940,0002,022
Provision for loan and lease losses$645,0001,758
Total noninterest income$1,548,0002,393
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$728,0001,880
Trading account gains and fees$0532
Additional Noninterest Income$820,0002,352
Total noninterest expense$5,356,0002,670
Salaries and employee benefits$2,912,0002,284
Premises and equipment expense$689,0002,927
Additional noninterest expense$1,755,0003,043
Pre-tax net operating income$4,487,0001,561
Securities gains (losses)$-39,00013,053
Applicable income taxes$1,398,0001,664
Income before extraordinary items$3,050,0001,658
Extraordinary gains, net$-137,00012,979
Net income$2,913,0001,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$324,0002,340
Cash dividends$579,0002,738
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,076,9101,559
1992-12-31 (YTD Data)Rank
Total interest income$15,777,0002,235
Total interest expense$7,520,0002,257
Net interest income$8,257,0002,200
Provision for loan and lease losses$853,0002,070
Total noninterest income$1,329,0002,631
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$658,0002,069
Trading account gains and fees$0504
Additional Noninterest Income$671,0002,613
Total noninterest expense$5,113,0002,801
Salaries and employee benefits$2,732,0002,370
Premises and equipment expense$690,0002,957
Additional noninterest expense$1,691,0003,230
Pre-tax net operating income$3,620,0001,704
Securities gains (losses)$-71,00013,728
Applicable income taxes$1,045,0002,023
Income before extraordinary items$2,504,0001,813
Extraordinary gains, net$01,422
Net income$2,504,0001,832
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$641,0002,089
Cash dividends$438,0003,113
Sale, conversion, retirement of capital stock, net$84,000862
Net operating income$2,554,4101,643

* 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.