Home > Branch Banking and Trust Company of Virginia > Income and Expense

Branch Banking and Trust Company of Virginia, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$938,556,000	70
Total interest expense	$343,009,000	86
Net interest income	$595,547,000	61
Provision for loan and lease losses	$3,284,000	257
Total noninterest income	$201,471,000	84
Gross Fiduciary activities income	$13,864,000	77
Service charges on deposit accounts	$103,506,000	30
Trading account gains and fees	$0	126
Additional Noninterest Income	$84,101,000	102
Total noninterest expense	$352,214,000	78
Salaries and employee benefits	$142,223,000	75
Premises and equipment expense	$49,878,000	58
Additional noninterest expense	$160,113,000	80
Pre-tax net operating income	$441,520,000	51
Securities gains (losses)	$50,000	557
Applicable income taxes	$149,218,000	53
Income before extraordinary items	$292,352,000	52
Extraordinary gains, net	$0	45
Net income	$292,352,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,893,000	158
Cash dividends	$240,749,000	45
Sale, conversion, retirement of capital stock, net	$3,659,000	263
Net operating income	$292,319,000	52
2006-06-30 (YTD Data)		Rank
Total interest income	$604,757,000	73
Total interest expense	$207,963,000	90
Net interest income	$396,794,000	63
Provision for loan and lease losses	$1,886,000	290
Total noninterest income	$134,115,000	83
Gross Fiduciary activities income	$9,040,000	82
Service charges on deposit accounts	$69,089,000	32
Trading account gains and fees	$0	126
Additional Noninterest Income	$55,986,000	107
Total noninterest expense	$223,858,000	81
Salaries and employee benefits	$94,512,000	78
Premises and equipment expense	$33,058,000	60
Additional noninterest expense	$96,288,000	88
Pre-tax net operating income	$305,165,000	50
Securities gains (losses)	$0	1,185
Applicable income taxes	$103,282,000	52
Income before extraordinary items	$201,883,000	52
Extraordinary gains, net	$0	39
Net income	$201,883,000	52
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,092,000	170
Cash dividends	$108,395,000	51
Sale, conversion, retirement of capital stock, net	$2,865,000	196
Net operating income	$201,883,000	52
2006-03-31 (YTD Data)		Rank
Total interest income	$290,167,000	72
Total interest expense	$93,086,000	94
Net interest income	$197,081,000	62
Provision for loan and lease losses	$-82,000	8,656
Total noninterest income	$63,610,000	86
Gross Fiduciary activities income	$4,350,000	82
Service charges on deposit accounts	$33,461,000	33
Trading account gains and fees	$0	115
Additional Noninterest Income	$25,799,000	110
Total noninterest expense	$96,568,000	88
Salaries and employee benefits	$47,507,000	78
Premises and equipment expense	$16,547,000	60
Additional noninterest expense	$32,514,000	100
Pre-tax net operating income	$164,205,000	49
Securities gains (losses)	$0	955
Applicable income taxes	$55,775,000	48
Income before extraordinary items	$108,430,000	49
Extraordinary gains, net	$0	21
Net income	$108,430,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,070,000	206
Cash dividends	$51,549,000	48
Sale, conversion, retirement of capital stock, net	$2,072,000	110
Net operating income	$108,430,000	49
2005-12-31 (YTD Data)		Rank
Total interest income	$1,024,590,000	72
Total interest expense	$278,063,000	93
Net interest income	$746,527,000	60
Provision for loan and lease losses	$13,054,000	119
Total noninterest income	$261,393,000	86
Gross Fiduciary activities income	$17,554,000	81
Service charges on deposit accounts	$138,955,000	32
Trading account gains and fees	$0	138
Additional Noninterest Income	$104,884,000	111
Total noninterest expense	$481,613,000	73
Salaries and employee benefits	$183,005,000	78
Premises and equipment expense	$69,656,000	58
Additional noninterest expense	$228,952,000	72
Pre-tax net operating income	$513,253,000	56
Securities gains (losses)	$6,466,000	70
Applicable income taxes	$172,441,000	59
Income before extraordinary items	$347,278,000	57
Extraordinary gains, net	$0	46
Net income	$347,278,000	57
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,012,000	153
Cash dividends	$309,245,000	38
Sale, conversion, retirement of capital stock, net	$956,000	491
Net operating income	$342,945,780	58
2005-09-30 (YTD Data)		Rank
Total interest income	$748,299,000	73
Total interest expense	$196,659,000	95
Net interest income	$551,640,000	61
Provision for loan and lease losses	$8,640,000	121
Total noninterest income	$192,203,000	88
Gross Fiduciary activities income	$13,245,000	81
Service charges on deposit accounts	$101,780,000	32
Trading account gains and fees	$0	126
Additional Noninterest Income	$77,178,000	113
Total noninterest expense	$367,692,000	75
Salaries and employee benefits	$139,736,000	80
Premises and equipment expense	$52,970,000	56
Additional noninterest expense	$174,986,000	72
Pre-tax net operating income	$367,511,000	59
Securities gains (losses)	$6,466,000	64
Applicable income taxes	$126,817,000	59
Income before extraordinary items	$247,160,000	61
Extraordinary gains, net	$0	35
Net income	$247,160,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,938,000	173
Cash dividends	$209,800,000	37
Sale, conversion, retirement of capital stock, net	$727,000	372
Net operating income	$242,892,440	61
2005-06-30 (YTD Data)		Rank
Total interest income	$481,187,000	71
Total interest expense	$121,131,000	95
Net interest income	$360,056,000	60
Provision for loan and lease losses	$6,046,000	110
Total noninterest income	$123,762,000	88
Gross Fiduciary activities income	$8,877,000	80
Service charges on deposit accounts	$66,026,000	32
Trading account gains and fees	$0	116
Additional Noninterest Income	$48,859,000	116
Total noninterest expense	$246,188,000	73
Salaries and employee benefits	$92,922,000	79
Premises and equipment expense	$36,860,000	54
Additional noninterest expense	$116,406,000	69
Pre-tax net operating income	$231,584,000	61
Securities gains (losses)	$1,976,000	110
Applicable income taxes	$78,983,000	63
Income before extraordinary items	$154,577,000	63
Extraordinary gains, net	$0	30
Net income	$154,577,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,092,000	171
Cash dividends	$166,401,000	33
Sale, conversion, retirement of capital stock, net	$585,000	276
Net operating income	$153,272,840	63
2005-03-31 (YTD Data)		Rank
Total interest income	$231,480,000	73
Total interest expense	$56,116,000	98
Net interest income	$175,364,000	64
Provision for loan and lease losses	$3,922,000	94
Total noninterest income	$55,398,000	98
Gross Fiduciary activities income	$3,726,000	88
Service charges on deposit accounts	$29,960,000	35
Trading account gains and fees	$0	115
Additional Noninterest Income	$21,712,000	125
Total noninterest expense	$119,861,000	76
Salaries and employee benefits	$47,237,000	81
Premises and equipment expense	$15,399,000	66
Additional noninterest expense	$57,225,000	69
Pre-tax net operating income	$106,979,000	63
Securities gains (losses)	$1,248,000	89
Applicable income taxes	$36,651,000	65
Income before extraordinary items	$71,576,000	66
Extraordinary gains, net	$0	24
Net income	$71,576,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,258,000	139
Cash dividends	$131,375,000	26
Sale, conversion, retirement of capital stock, net	$434,000	171
Net operating income	$70,752,320	66
2004-12-31 (YTD Data)		Rank
Total interest income	$762,159,000	73
Total interest expense	$169,635,000	100
Net interest income	$592,524,000	66
Provision for loan and lease losses	$3,525,000	332
Total noninterest income	$245,048,000	90
Gross Fiduciary activities income	$18,522,000	75
Service charges on deposit accounts	$129,697,000	33
Trading account gains and fees	$0	138
Additional Noninterest Income	$96,829,000	117
Total noninterest expense	$492,616,000	71
Salaries and employee benefits	$196,497,000	75
Premises and equipment expense	$62,110,000	66
Additional noninterest expense	$234,009,000	69
Pre-tax net operating income	$341,431,000	73
Securities gains (losses)	$-134,000	8,763
Applicable income taxes	$113,493,000	76
Income before extraordinary items	$227,804,000	77
Extraordinary gains, net	$0	34
Net income	$227,804,000	77
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,661,000	159
Cash dividends	$204,834,000	52
Sale, conversion, retirement of capital stock, net	$2,682,000	309
Net operating income	$227,893,780	75
2004-09-30 (YTD Data)		Rank
Total interest income	$554,790,000	74
Total interest expense	$122,599,000	102
Net interest income	$432,191,000	70
Provision for loan and lease losses	$674,000	1,139
Total noninterest income	$181,106,000	98
Gross Fiduciary activities income	$14,197,000	74
Service charges on deposit accounts	$96,016,000	36
Trading account gains and fees	$0	134
Additional Noninterest Income	$70,893,000	123
Total noninterest expense	$370,159,000	76
Salaries and employee benefits	$150,167,000	75
Premises and equipment expense	$45,313,000	70
Additional noninterest expense	$174,679,000	73
Pre-tax net operating income	$242,464,000	80
Securities gains (losses)	$546,000	404
Applicable income taxes	$81,200,000	80
Income before extraordinary items	$161,810,000	82
Extraordinary gains, net	$0	26
Net income	$161,810,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,945,000	169
Cash dividends	$177,499,000	45
Sale, conversion, retirement of capital stock, net	$2,235,000	240
Net operating income	$161,444,180	80
2004-06-30 (YTD Data)		Rank
Total interest income	$361,341,000	78
Total interest expense	$80,103,000	106
Net interest income	$281,238,000	70
Provision for loan and lease losses	$-1,798,000	9,055
Total noninterest income	$119,836,000	102
Gross Fiduciary activities income	$9,576,000	77
Service charges on deposit accounts	$62,737,000	39
Trading account gains and fees	$0	130
Additional Noninterest Income	$47,523,000	126
Total noninterest expense	$251,330,000	78
Salaries and employee benefits	$102,413,000	77
Premises and equipment expense	$27,975,000	74
Additional noninterest expense	$120,942,000	71
Pre-tax net operating income	$151,542,000	82
Securities gains (losses)	$-8,000	8,658
Applicable income taxes	$50,369,000	90
Income before extraordinary items	$101,165,000	87
Extraordinary gains, net	$0	21
Net income	$101,165,000	89
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,572,000	184
Cash dividends	$96,376,000	59
Sale, conversion, retirement of capital stock, net	$2,088,000	164
Net operating income	$101,170,360	85
2004-03-31 (YTD Data)		Rank
Total interest income	$180,680,000	77
Total interest expense	$40,388,000	106
Net interest income	$140,292,000	69
Provision for loan and lease losses	$-4,318,000	9,106
Total noninterest income	$56,574,000	101
Gross Fiduciary activities income	$4,871,000	78
Service charges on deposit accounts	$30,768,000	38
Trading account gains and fees	$0	121
Additional Noninterest Income	$20,935,000	128
Total noninterest expense	$130,469,000	78
Salaries and employee benefits	$53,326,000	75
Premises and equipment expense	$16,679,000	69
Additional noninterest expense	$60,464,000	72
Pre-tax net operating income	$70,715,000	82
Securities gains (losses)	$-8,000	8,893
Applicable income taxes	$23,438,000	90
Income before extraordinary items	$47,269,000	90
Extraordinary gains, net	$0	16
Net income	$47,269,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$982,000	281
Cash dividends	$15,466,000	89
Sale, conversion, retirement of capital stock, net	$1,253,000	111
Net operating income	$47,274,360	86
2003-12-31 (YTD Data)		Rank
Total interest income	$679,535,000	81
Total interest expense	$182,447,000	101
Net interest income	$497,088,000	76
Provision for loan and lease losses	$-6,304,000	9,173
Total noninterest income	$205,828,000	109
Gross Fiduciary activities income	$13,084,000	93
Service charges on deposit accounts	$86,685,000	52
Trading account gains and fees	$0	160
Additional Noninterest Income	$106,059,000	120
Total noninterest expense	$570,513,000	70
Salaries and employee benefits	$196,699,000	77
Premises and equipment expense	$71,258,000	68
Additional noninterest expense	$302,556,000	63
Pre-tax net operating income	$138,707,000	127
Securities gains (losses)	$75,974,000	27
Applicable income taxes	$67,724,000	111
Income before extraordinary items	$146,957,000	98
Extraordinary gains, net	$0	54
Net income	$146,957,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,921,000	178
Cash dividends	$188,096,000	66
Sale, conversion, retirement of capital stock, net	$1,548,000	366
Net operating income	$95,294,680	125
2003-09-30 (YTD Data)		Rank
Total interest income	$410,854,000	95
Total interest expense	$130,908,000	104
Net interest income	$279,946,000	94
Provision for loan and lease losses	$5,603,000	254
Total noninterest income	$122,181,000	125
Gross Fiduciary activities income	$6,312,000	122
Service charges on deposit accounts	$41,338,000	69
Trading account gains and fees	$0	153
Additional Noninterest Income	$74,531,000	124
Total noninterest expense	$305,614,000	94
Salaries and employee benefits	$106,080,000	100
Premises and equipment expense	$38,050,000	83
Additional noninterest expense	$161,484,000	81
Pre-tax net operating income	$90,910,000	139
Securities gains (losses)	$76,036,000	24
Applicable income taxes	$56,770,000	102
Income before extraordinary items	$110,176,000	101
Extraordinary gains, net	$0	40
Net income	$110,176,000	101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,504,000	167
Cash dividends	$129,715,000	59
Sale, conversion, retirement of capital stock, net	$1,365,000	283
Net operating income	$59,992,240	140
2003-06-30 (YTD Data)		Rank
Total interest income	$288,933,000	93
Total interest expense	$96,504,000	100
Net interest income	$192,429,000	90
Provision for loan and lease losses	$3,370,000	265
Total noninterest income	$79,932,000	123
Gross Fiduciary activities income	$4,243,000	122
Service charges on deposit accounts	$26,693,000	69
Trading account gains and fees	$0	150
Additional Noninterest Income	$48,996,000	118
Total noninterest expense	$156,299,000	107
Salaries and employee benefits	$65,163,000	108
Premises and equipment expense	$23,932,000	86
Additional noninterest expense	$67,204,000	105
Pre-tax net operating income	$112,692,000	94
Securities gains (losses)	$88,594,000	17
Applicable income taxes	$69,301,000	67
Income before extraordinary items	$131,985,000	68
Extraordinary gains, net	$0	30
Net income	$131,985,000	68
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,730,000	159
Cash dividends	$33,122,000	92
Sale, conversion, retirement of capital stock, net	$1,070,000	195
Net operating income	$73,512,960	94
2003-03-31 (YTD Data)		Rank
Total interest income	$142,738,000	96
Total interest expense	$48,928,000	101
Net interest income	$93,810,000	96
Provision for loan and lease losses	$2,300,000	223
Total noninterest income	$37,885,000	128
Gross Fiduciary activities income	$2,030,000	131
Service charges on deposit accounts	$13,292,000	71
Trading account gains and fees	$0	134
Additional Noninterest Income	$22,563,000	131
Total noninterest expense	$74,878,000	110
Salaries and employee benefits	$33,559,000	106
Premises and equipment expense	$11,052,000	89
Additional noninterest expense	$30,267,000	108
Pre-tax net operating income	$54,517,000	97
Securities gains (losses)	$109,000	951
Applicable income taxes	$18,583,000	106
Income before extraordinary items	$36,043,000	106
Extraordinary gains, net	$0	21
Net income	$36,043,000	106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,563,000	134
Cash dividends	$15,184,000	93
Sale, conversion, retirement of capital stock, net	$206,000	187
Net operating income	$35,971,060	96
2002-12-31 (YTD Data)		Rank
Total interest income	$567,854,000	99
Total interest expense	$238,691,000	93
Net interest income	$329,163,000	109
Provision for loan and lease losses	$9,463,000	254
Total noninterest income	$136,236,000	131
Gross Fiduciary activities income	$8,373,000	129
Service charges on deposit accounts	$52,894,000	69
Trading account gains and fees	$0	153
Additional Noninterest Income	$74,969,000	137
Total noninterest expense	$291,387,000	109
Salaries and employee benefits	$125,486,000	102
Premises and equipment expense	$44,659,000	93
Additional noninterest expense	$121,242,000	110
Pre-tax net operating income	$164,549,000	113
Securities gains (losses)	$3,017,000	211
Applicable income taxes	$56,735,000	126
Income before extraordinary items	$110,831,000	122
Extraordinary gains, net	$0	70
Net income	$110,831,000	122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,880,000	146
Cash dividends	$136,020,000	76
Sale, conversion, retirement of capital stock, net	$2,525,000	252
Net operating income	$108,839,780	114
2001-12-31 (YTD Data)		Rank
Total interest income	$437,110,000	139
Total interest expense	$236,467,000	124
Net interest income	$200,643,000	149
Provision for loan and lease losses	$14,921,000	194
Total noninterest income	$85,383,000	170
Gross Fiduciary activities income	$5,606,000	155
Service charges on deposit accounts	$29,582,000	96
Trading account gains and fees	$0	177
Additional Noninterest Income	$50,195,000	178
Total noninterest expense	$219,995,000	136
Salaries and employee benefits	$75,184,000	138
Premises and equipment expense	$22,285,000	133
Additional noninterest expense	$122,526,000	119
Pre-tax net operating income	$51,110,000	223
Securities gains (losses)	$-2,388,000	9,600
Applicable income taxes	$19,697,000	210
Income before extraordinary items	$29,025,000	254
Extraordinary gains, net	$0	105
Net income	$29,025,000	255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,876,000	145
Cash dividends	$94,561,000	90
Sale, conversion, retirement of capital stock, net	$2,888,000	266
Net operating income	$30,553,320	239
2000-12-31 (YTD Data)		Rank
Total interest income	$495,344,000	136
Total interest expense	$259,801,000	133
Net interest income	$235,543,000	132
Provision for loan and lease losses	$12,529,000	176
Total noninterest income	$64,862,000	197
Gross Fiduciary activities income	$6,593,000	144
Service charges on deposit accounts	$23,847,000	104
Trading account gains and fees	$0	180
Additional Noninterest Income	$34,422,000	209
Total noninterest expense	$178,203,000	155
Salaries and employee benefits	$69,942,000	144
Premises and equipment expense	$24,283,000	128
Additional noninterest expense	$83,978,000	153
Pre-tax net operating income	$109,673,000	144
Securities gains (losses)	$-41,158,000	9,887
Applicable income taxes	$26,393,000	170
Income before extraordinary items	$42,122,000	193
Extraordinary gains, net	$0	38
Net income	$42,122,000	192
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,005,000	201
Cash dividends	$98,749,000	87
Sale, conversion, retirement of capital stock, net	$1,100,000	426
Net operating income	$68,463,120	148
1999-12-31 (YTD Data)		Rank
Total interest income	$382,920,000	143
Total interest expense	$194,398,000	138
Net interest income	$188,522,000	153
Provision for loan and lease losses	$6,689,000	255
Total noninterest income	$51,824,000	227
Gross Fiduciary activities income	$5,802,000	182
Service charges on deposit accounts	$15,873,000	138
Trading account gains and fees	$0	173
Additional Noninterest Income	$30,149,000	238
Total noninterest expense	$145,242,000	170
Salaries and employee benefits	$61,668,000	162
Premises and equipment expense	$22,061,000	136
Additional noninterest expense	$61,513,000	182
Pre-tax net operating income	$88,415,000	177
Securities gains (losses)	$-654,000	10,123
Applicable income taxes	$33,304,000	168
Income before extraordinary items	$54,457,000	177
Extraordinary gains, net	$0	35
Net income	$54,457,000	178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,531,000	233
Cash dividends	$175,920,000	60
Sale, conversion, retirement of capital stock, net	$2,903,000	374
Net operating income	$54,875,560	178
1998-12-31 (YTD Data)		Rank
Total interest income	$263,524,000	192
Total interest expense	$142,494,000	179
Net interest income	$121,030,000	199
Provision for loan and lease losses	$3,122,000	440
Total noninterest income	$41,117,000	253
Gross Fiduciary activities income	$838,000	501
Service charges on deposit accounts	$10,622,000	166
Trading account gains and fees	$0	224
Additional Noninterest Income	$29,657,000	233
Total noninterest expense	$98,452,000	232
Salaries and employee benefits	$45,302,000	187
Premises and equipment expense	$10,192,000	240
Additional noninterest expense	$42,958,000	240
Pre-tax net operating income	$60,573,000	213
Securities gains (losses)	$554,000	518
Applicable income taxes	$24,389,000	200
Income before extraordinary items	$36,738,000	226
Extraordinary gains, net	$0	32
Net income	$36,738,000	227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-281,000	10,388
Cash dividends	$37,982,000	171
Sale, conversion, retirement of capital stock, net	$3,612,000	297
Net operating income	$36,383,440	218
1997-12-31 (YTD Data)		Rank
Total interest income	$62,276,000	586
Total interest expense	$25,606,000	658
Net interest income	$36,670,000	518
Provision for loan and lease losses	$2,033,000	582
Total noninterest income	$12,546,000	484
Gross Fiduciary activities income	$733,000	551
Service charges on deposit accounts	$6,137,000	238
Trading account gains and fees	$0	239
Additional Noninterest Income	$5,676,000	563
Total noninterest expense	$30,523,000	514
Salaries and employee benefits	$10,686,000	645
Premises and equipment expense	$4,570,000	477
Additional noninterest expense	$15,267,000	409
Pre-tax net operating income	$16,660,000	534
Securities gains (losses)	$0	3,944
Applicable income taxes	$5,687,000	564
Income before extraordinary items	$10,973,000	541
Extraordinary gains, net	$0	44
Net income	$10,973,000	541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,377,000	456
Cash dividends	$5,012,000	616
Sale, conversion, retirement of capital stock, net	$603,000	513
Net operating income	$10,973,000	526
1996-12-31 (YTD Data)		Rank
Total interest income	$60,027,000	635
Total interest expense	$24,883,000	707
Net interest income	$35,144,000	577
Provision for loan and lease losses	$2,550,000	513
Total noninterest income	$10,644,000	563
Gross Fiduciary activities income	$624,000	645
Service charges on deposit accounts	$5,397,000	298
Trading account gains and fees	$0	262
Additional Noninterest Income	$4,623,000	678
Total noninterest expense	$24,839,000	652
Salaries and employee benefits	$11,759,000	590
Premises and equipment expense	$5,275,000	450
Additional noninterest expense	$7,805,000	825
Pre-tax net operating income	$18,399,000	482
Securities gains (losses)	$-348,000	11,351
Applicable income taxes	$6,260,000	505
Income before extraordinary items	$11,791,000	504
Extraordinary gains, net	$0	53
Net income	$11,791,000	504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,840,000	607
Cash dividends	$5,195,000	648
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$12,017,200	487
1995-12-31 (YTD Data)		Rank
Total interest income	$55,732,000	699
Total interest expense	$24,501,000	749
Net interest income	$31,231,000	660
Provision for loan and lease losses	$1,910,000	597
Total noninterest income	$8,787,000	652
Gross Fiduciary activities income	$589,000	691
Service charges on deposit accounts	$4,462,000	371
Trading account gains and fees	$0	522
Additional Noninterest Income	$3,736,000	783
Total noninterest expense	$25,965,000	647
Salaries and employee benefits	$11,510,000	607
Premises and equipment expense	$5,258,000	465
Additional noninterest expense	$9,197,000	724
Pre-tax net operating income	$12,143,000	707
Securities gains (losses)	$-4,137,000	11,937
Applicable income taxes	$3,153,000	884
Income before extraordinary items	$4,853,000	1,091
Extraordinary gains, net	$0	65
Net income	$4,853,000	1,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,078,000	556
Cash dividends	$2,861,000	960
Sale, conversion, retirement of capital stock, net	$4,981,000	104
Net operating income	$7,500,680	757
1994-12-31 (YTD Data)		Rank
Total interest income	$49,558,000	705
Total interest expense	$20,695,000	698
Net interest income	$28,863,000	692
Provision for loan and lease losses	$2,600,000	474
Total noninterest income	$8,745,000	651
Gross Fiduciary activities income	$630,000	659
Service charges on deposit accounts	$3,957,000	389
Trading account gains and fees	$0	475
Additional Noninterest Income	$4,158,000	710
Total noninterest expense	$24,832,000	683
Salaries and employee benefits	$11,644,000	618
Premises and equipment expense	$4,579,000	519
Additional noninterest expense	$8,609,000	782
Pre-tax net operating income	$10,176,000	785
Securities gains (losses)	$48,000	1,174
Applicable income taxes	$3,213,000	821
Income before extraordinary items	$7,011,000	762
Extraordinary gains, net	$0	249
Net income	$7,011,000	762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,470,000	693
Cash dividends	$1,363,000	1,510
Sale, conversion, retirement of capital stock, net	$1,495,000	355
Net operating income	$6,977,880	771
1993-12-31 (YTD Data)		Rank
Total interest income	$47,247,000	728
Total interest expense	$20,983,000	689
Net interest income	$26,264,000	738
Provision for loan and lease losses	$2,825,000	640
Total noninterest income	$9,248,000	639
Gross Fiduciary activities income	$633,000	676
Service charges on deposit accounts	$3,428,000	430
Trading account gains and fees	$0	532
Additional Noninterest Income	$5,187,000	649
Total noninterest expense	$23,706,000	734
Salaries and employee benefits	$10,721,000	672
Premises and equipment expense	$4,134,000	584
Additional noninterest expense	$8,851,000	830
Pre-tax net operating income	$8,981,000	820
Securities gains (losses)	$1,407,000	412
Applicable income taxes	$3,837,000	674
Income before extraordinary items	$6,551,000	794
Extraordinary gains, net	$0	3,149
Net income	$6,551,000	828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,969,000	735
Cash dividends	$1,297,000	1,440
Sale, conversion, retirement of capital stock, net	$892,000	501
Net operating income	$5,650,520	873
1992-12-31 (YTD Data)		Rank
Total interest income	$44,939,000	853
Total interest expense	$22,414,000	827
Net interest income	$22,525,000	849
Provision for loan and lease losses	$4,225,000	654
Total noninterest income	$7,112,000	754
Gross Fiduciary activities income	$508,000	759
Service charges on deposit accounts	$3,006,000	474
Trading account gains and fees	$0	504
Additional Noninterest Income	$3,598,000	844
Total noninterest expense	$19,091,000	882
Salaries and employee benefits	$8,926,000	771
Premises and equipment expense	$3,730,000	663
Additional noninterest expense	$6,435,000	1,071
Pre-tax net operating income	$6,321,000	1,028
Securities gains (losses)	$1,098,000	607
Applicable income taxes	$2,477,000	939
Income before extraordinary items	$4,942,000	963
Extraordinary gains, net	$0	1,422
Net income	$4,942,000	969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,271,000	887
Cash dividends	$596,000	2,448
Sale, conversion, retirement of capital stock, net	$9,327,000	97
Net operating income	$4,206,340	1,032

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.