Home > Cache Valley Bank > Income and Expense

Cache Valley Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$164,606,000353
Total interest expense$39,146,000472
Net interest income$125,460,000312
Provision for loan and lease losses$6,000,000291
Total noninterest income$6,216,0001,023
Gross Fiduciary activities income$0981
Service charges on deposit accounts$693,0001,328
Trading account gains and fees$0123
Additional Noninterest Income$5,523,000827
Total noninterest expense$50,319,000569
Salaries and employee benefits$32,992,000483
Premises and equipment expense$5,819,000486
Additional noninterest expense$5,523,000827
Pre-tax net operating income$75,357,000260
Securities gains (losses)$-1,156,0004,322
Applicable income taxes$18,362,000222
Income before extraordinary items$55,839,000264
Extraordinary gains, net$054
Net income$55,839,000267
Minority interest net income$088
Net income of bank and minority interests.$55,839,000266
Net charge-offs$1,188,000487
Cash dividends$13,765,000395
Sale, conversion, retirement of capital stock, net$0540
Net operating income$56,752,240268
2023-09-30 (YTD Data)Rank
Total interest income$120,692,000352
Total interest expense$26,098,000488
Net interest income$94,594,000318
Provision for loan and lease losses$4,500,000283
Total noninterest income$5,725,000907
Gross Fiduciary activities income$0950
Service charges on deposit accounts$505,0001,361
Trading account gains and fees$0125
Additional Noninterest Income$5,220,000723
Total noninterest expense$37,252,000572
Salaries and employee benefits$24,298,000491
Premises and equipment expense$4,208,000500
Additional noninterest expense$5,220,000723
Pre-tax net operating income$58,567,000257
Securities gains (losses)$-1,156,0004,460
Applicable income taxes$14,325,000225
Income before extraordinary items$43,086,000267
Extraordinary gains, net$052
Net income$43,086,000270
Minority interest net income$081
Net income of bank and minority interests.$43,086,000268
Net charge-offs$774,000464
Cash dividends$6,295,000506
Sale, conversion, retirement of capital stock, net$0507
Net operating income$43,999,240266
2023-06-30 (YTD Data)Rank
Total interest income$78,827,000342
Total interest expense$15,272,000493
Net interest income$63,555,000313
Provision for loan and lease losses$3,635,000251
Total noninterest income$4,174,000827
Gross Fiduciary activities income$0931
Service charges on deposit accounts$322,0001,386
Trading account gains and fees$0112
Additional Noninterest Income$3,852,000634
Total noninterest expense$24,302,000573
Salaries and employee benefits$15,775,000495
Premises and equipment expense$2,792,000493
Additional noninterest expense$3,852,000634
Pre-tax net operating income$39,792,000252
Securities gains (losses)$-1,156,0004,535
Applicable income taxes$9,750,000228
Income before extraordinary items$28,886,000267
Extraordinary gains, net$051
Net income$28,886,000272
Minority interest net income$081
Net income of bank and minority interests.$28,886,000267
Net charge-offs$651,000378
Cash dividends$5,935,000398
Sale, conversion, retirement of capital stock, net$0486
Net operating income$29,799,240265
2023-03-31 (YTD Data)Rank
Total interest income$39,013,000342
Total interest expense$6,396,000507
Net interest income$32,617,000311
Provision for loan and lease losses$2,135,000223
Total noninterest income$2,616,000711
Gross Fiduciary activities income$0913
Service charges on deposit accounts$158,0001,427
Trading account gains and fees$097
Additional Noninterest Income$2,458,000535
Total noninterest expense$11,992,000587
Salaries and employee benefits$7,692,000519
Premises and equipment expense$1,376,000513
Additional noninterest expense$2,458,000535
Pre-tax net operating income$21,106,000246
Securities gains (losses)$-1,156,0004,589
Applicable income taxes$4,950,000223
Income before extraordinary items$15,000,000264
Extraordinary gains, net$04
Net income$15,000,000264
Minority interest net income$048
Net income of bank and minority interests.$15,000,000264
Net charge-offs$228,000411
Cash dividends$4,525,000282
Sale, conversion, retirement of capital stock, net$0430
Net operating income$15,913,240261
2022-12-31 (YTD Data)Rank
Total interest income$129,535,000331
Total interest expense$11,574,000402
Net interest income$117,961,000318
Provision for loan and lease losses$3,600,000351
Total noninterest income$8,014,000883
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$637,0001,444
Trading account gains and fees$0116
Additional Noninterest Income$7,377,000685
Total noninterest expense$45,314,000594
Salaries and employee benefits$29,309,000522
Premises and equipment expense$5,004,000545
Additional noninterest expense$7,377,000685
Pre-tax net operating income$77,061,000284
Securities gains (losses)$375,00082
Applicable income taxes$19,400,000244
Income before extraordinary items$58,036,000287
Extraordinary gains, net$05
Net income$58,036,000287
Minority interest net income$063
Net income of bank and minority interests.$58,036,000287
Net charge-offs$-173,0004,408
Cash dividends$8,874,000523
Sale, conversion, retirement of capital stock, net$0568
Net operating income$57,739,750294
2022-09-30 (YTD Data)Rank
Total interest income$92,700,000330
Total interest expense$7,239,000334
Net interest income$85,461,000324
Provision for loan and lease losses$2,700,000329
Total noninterest income$6,200,000879
Gross Fiduciary activities income$0968
Service charges on deposit accounts$487,0001,434
Trading account gains and fees$0111
Additional Noninterest Income$5,713,000688
Total noninterest expense$34,107,000591
Salaries and employee benefits$22,478,000501
Premises and equipment expense$3,607,000571
Additional noninterest expense$5,713,000688
Pre-tax net operating income$54,854,000299
Securities gains (losses)$375,00076
Applicable income taxes$13,715,000267
Income before extraordinary items$41,514,000299
Extraordinary gains, net$04
Net income$41,514,000299
Minority interest net income$057
Net income of bank and minority interests.$41,514,000299
Net charge-offs$-298,0004,556
Cash dividends$7,614,000435
Sale, conversion, retirement of capital stock, net$0519
Net operating income$41,217,750304
2022-06-30 (YTD Data)Rank
Total interest income$59,440,000322
Total interest expense$4,344,000299
Net interest income$55,096,000321
Provision for loan and lease losses$1,800,000277
Total noninterest income$4,659,000799
Gross Fiduciary activities income$0925
Service charges on deposit accounts$326,0001,415
Trading account gains and fees$0108
Additional Noninterest Income$4,333,000655
Total noninterest expense$23,274,000570
Salaries and employee benefits$15,190,000490
Premises and equipment expense$2,385,000571
Additional noninterest expense$5,699,000691
Pre-tax net operating income$34,681,000294
Securities gains (losses)$375,00067
Applicable income taxes$8,750,000262
Income before extraordinary items$26,306,000298
Extraordinary gains, net$04
Net income$26,306,000298
Minority interest net income$060
Net income of bank and minority interests.$26,306,000298
Net charge-offs$16,0001,414
Cash dividends$5,628,000399
Sale, conversion, retirement of capital stock, net$0494
Net operating income$26,009,750307
2022-03-31 (YTD Data)Rank
Total interest income$27,752,000331
Total interest expense$2,070,000283
Net interest income$25,682,000329
Provision for loan and lease losses$900,000217
Total noninterest income$2,450,000779
Gross Fiduciary activities income$0892
Service charges on deposit accounts$164,0001,391
Trading account gains and fees$0103
Additional Noninterest Income$2,286,000641
Total noninterest expense$11,463,000576
Salaries and employee benefits$7,608,000491
Premises and equipment expense$1,206,000570
Additional noninterest expense$2,649,000737
Pre-tax net operating income$15,769,000303
Securities gains (losses)$375,00060
Applicable income taxes$4,045,000267
Income before extraordinary items$12,099,000304
Extraordinary gains, net$04
Net income$12,099,000304
Minority interest net income$050
Net income of bank and minority interests.$12,099,000304
Net charge-offs$33,000812
Cash dividends$4,516,000276
Sale, conversion, retirement of capital stock, net$0453
Net operating income$11,802,750313
2021-12-31 (YTD Data)Rank
Total interest income$121,225,000309
Total interest expense$10,004,000283
Net interest income$111,221,000308
Provision for loan and lease losses$2,700,000214
Total noninterest income$10,190,000817
Gross Fiduciary activities income$0994
Service charges on deposit accounts$616,0001,386
Trading account gains and fees$0132
Additional Noninterest Income$9,574,000689
Total noninterest expense$42,817,000617
Salaries and employee benefits$27,135,000543
Premises and equipment expense$4,559,000587
Additional noninterest expense$11,123,000709
Pre-tax net operating income$75,894,000279
Securities gains (losses)$47,0001,152
Applicable income taxes$18,883,000266
Income before extraordinary items$57,058,000297
Extraordinary gains, net$010
Net income$57,058,000297
Minority interest net income$074
Net income of bank and minority interests.$57,058,000297
Net charge-offs$-832,0004,771
Cash dividends$27,238,000244
Sale, conversion, retirement of capital stock, net$0582
Net operating income$57,020,870289
2021-09-30 (YTD Data)Rank
Total interest income$92,716,000306
Total interest expense$7,457,000295
Net interest income$85,259,000307
Provision for loan and lease losses$2,025,000209
Total noninterest income$8,180,000804
Gross Fiduciary activities income$0957
Service charges on deposit accounts$452,0001,395
Trading account gains and fees$0132
Additional Noninterest Income$7,728,000679
Total noninterest expense$31,213,000634
Salaries and employee benefits$20,063,000549
Premises and equipment expense$3,275,000621
Additional noninterest expense$7,875,000740
Pre-tax net operating income$60,201,000274
Securities gains (losses)$47,0001,077
Applicable income taxes$15,025,000256
Income before extraordinary items$45,223,000290
Extraordinary gains, net$08
Net income$45,223,000290
Minority interest net income$069
Net income of bank and minority interests.$45,223,000290
Net charge-offs$-649,0004,834
Cash dividends$19,538,000240
Sale, conversion, retirement of capital stock, net$0543
Net operating income$45,185,870282
2021-06-30 (YTD Data)Rank
Total interest income$59,298,000311
Total interest expense$4,787,000321
Net interest income$54,511,000307
Provision for loan and lease losses$1,350,000227
Total noninterest income$5,317,000819
Gross Fiduciary activities income$0951
Service charges on deposit accounts$289,0001,392
Trading account gains and fees$0133
Additional Noninterest Income$5,028,000694
Total noninterest expense$21,225,000608
Salaries and employee benefits$13,504,000546
Premises and equipment expense$2,182,000618
Additional noninterest expense$5,539,000697
Pre-tax net operating income$37,253,000288
Securities gains (losses)$47,000909
Applicable income taxes$9,170,000272
Income before extraordinary items$28,130,000308
Extraordinary gains, net$06
Net income$28,130,000308
Minority interest net income$067
Net income of bank and minority interests.$28,130,000308
Net charge-offs$-463,0004,865
Cash dividends$11,638,000245
Sale, conversion, retirement of capital stock, net$0517
Net operating income$28,092,870301
2021-03-31 (YTD Data)Rank
Total interest income$28,312,000323
Total interest expense$2,436,000335
Net interest income$25,876,000318
Provision for loan and lease losses$675,000274
Total noninterest income$2,867,000778
Gross Fiduciary activities income$0922
Service charges on deposit accounts$140,0001,414
Trading account gains and fees$0127
Additional Noninterest Income$2,727,000657
Total noninterest expense$10,837,000599
Salaries and employee benefits$6,952,000529
Premises and equipment expense$1,122,000609
Additional noninterest expense$2,763,000687
Pre-tax net operating income$17,231,000307
Securities gains (losses)$47,000676
Applicable income taxes$4,190,000284
Income before extraordinary items$13,088,000324
Extraordinary gains, net$03
Net income$13,088,000323
Minority interest net income$055
Net income of bank and minority interests.$13,088,000324
Net charge-offs$-454,0004,925
Cash dividends$9,931,000161
Sale, conversion, retirement of capital stock, net$0482
Net operating income$13,050,870315
2020-12-31 (YTD Data)Rank
Total interest income$91,725,000394
Total interest expense$10,751,000471
Net interest income$80,974,000379
Provision for loan and lease losses$960,0001,640
Total noninterest income$8,451,000897
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$567,0001,481
Trading account gains and fees$0133
Additional Noninterest Income$7,884,000751
Total noninterest expense$38,985,000644
Salaries and employee benefits$26,133,000545
Premises and equipment expense$4,294,000608
Additional noninterest expense$8,558,000838
Pre-tax net operating income$49,480,000297
Securities gains (losses)$02,675
Applicable income taxes$12,188,000258
Income before extraordinary items$37,292,000318
Extraordinary gains, net$04
Net income$37,292,000316
Minority interest net income$072
Net income of bank and minority interests.$37,292,000318
Net charge-offs$381,0001,149
Cash dividends$4,620,000806
Sale, conversion, retirement of capital stock, net$0566
Net operating income$37,292,000310
2020-09-30 (YTD Data)Rank
Total interest income$61,407,000426
Total interest expense$8,018,000506
Net interest income$53,389,000415
Provision for loan and lease losses$960,0001,397
Total noninterest income$5,580,000949
Gross Fiduciary activities income$0981
Service charges on deposit accounts$424,0001,479
Trading account gains and fees$0125
Additional Noninterest Income$5,156,000795
Total noninterest expense$28,251,000653
Salaries and employee benefits$19,013,000548
Premises and equipment expense$3,151,000612
Additional noninterest expense$6,087,000855
Pre-tax net operating income$29,758,000327
Securities gains (losses)$02,494
Applicable income taxes$7,425,000286
Income before extraordinary items$22,333,000353
Extraordinary gains, net$04
Net income$22,333,000352
Minority interest net income$065
Net income of bank and minority interests.$22,333,000353
Net charge-offs$458,000793
Cash dividends$3,717,000702
Sale, conversion, retirement of capital stock, net$0532
Net operating income$22,333,000343
2020-06-30 (YTD Data)Rank
Total interest income$39,448,000449
Total interest expense$5,147,000565
Net interest income$34,301,000426
Provision for loan and lease losses$960,0001,125
Total noninterest income$3,672,000918
Gross Fiduciary activities income$0970
Service charges on deposit accounts$291,0001,468
Trading account gains and fees$0123
Additional Noninterest Income$3,381,000751
Total noninterest expense$18,647,000653
Salaries and employee benefits$12,559,000544
Premises and equipment expense$2,074,000623
Additional noninterest expense$4,014,000853
Pre-tax net operating income$18,366,000306
Securities gains (losses)$02,249
Applicable income taxes$4,600,000269
Income before extraordinary items$13,766,000337
Extraordinary gains, net$04
Net income$13,766,000337
Minority interest net income$065
Net income of bank and minority interests.$13,766,000337
Net charge-offs$314,000785
Cash dividends$2,814,000628
Sale, conversion, retirement of capital stock, net$0504
Net operating income$13,766,000327
2020-03-31 (YTD Data)Rank
Total interest income$18,951,000471
Total interest expense$2,484,000642
Net interest income$16,467,000440
Provision for loan and lease losses$480,000916
Total noninterest income$1,707,000899
Gross Fiduciary activities income$0941
Service charges on deposit accounts$175,0001,456
Trading account gains and fees$0106
Additional Noninterest Income$1,532,000722
Total noninterest expense$8,560,000720
Salaries and employee benefits$5,627,000615
Premises and equipment expense$1,042,000619
Additional noninterest expense$1,891,000922
Pre-tax net operating income$9,134,000284
Securities gains (losses)$01,705
Applicable income taxes$2,285,000239
Income before extraordinary items$6,849,000303
Extraordinary gains, net$04
Net income$6,849,000302
Minority interest net income$056
Net income of bank and minority interests.$6,849,000303
Net charge-offs$-106,0004,973
Cash dividends$1,817,000550
Sale, conversion, retirement of capital stock, net$0482
Net operating income$6,849,000303
2019-12-31 (YTD Data)Rank
Total interest income$74,769,000472
Total interest expense$9,916,000692
Net interest income$64,853,000446
Provision for loan and lease losses$2,900,000380
Total noninterest income$5,931,0001,005
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$693,0001,512
Trading account gains and fees$0135
Additional Noninterest Income$5,238,000802
Total noninterest expense$33,002,000714
Salaries and employee benefits$20,400,000649
Premises and equipment expense$4,129,000614
Additional noninterest expense$8,473,000812
Pre-tax net operating income$34,882,000399
Securities gains (losses)$21,0001,630
Applicable income taxes$8,752,000342
Income before extraordinary items$26,151,000433
Extraordinary gains, net$011
Net income$26,151,000433
Minority interest net income$076
Net income of bank and minority interests.$26,151,000433
Net charge-offs$2,135,000392
Cash dividends$7,516,000587
Sale, conversion, retirement of capital stock, net$0626
Net operating income$26,134,410426
2019-09-30 (YTD Data)Rank
Total interest income$55,642,000477
Total interest expense$7,238,000707
Net interest income$48,404,000454
Provision for loan and lease losses$900,000740
Total noninterest income$4,292,0001,011
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$502,0001,563
Trading account gains and fees$0129
Additional Noninterest Income$3,790,000822
Total noninterest expense$24,107,000729
Salaries and employee benefits$15,455,000638
Premises and equipment expense$3,120,000612
Additional noninterest expense$5,532,000907
Pre-tax net operating income$27,689,000391
Securities gains (losses)$21,0001,403
Applicable income taxes$6,950,000338
Income before extraordinary items$20,760,000418
Extraordinary gains, net$011
Net income$20,760,000417
Minority interest net income$072
Net income of bank and minority interests.$20,760,000418
Net charge-offs$2,346,000279
Cash dividends$4,757,000640
Sale, conversion, retirement of capital stock, net$0590
Net operating income$20,743,410416
2019-06-30 (YTD Data)Rank
Total interest income$36,604,000484
Total interest expense$4,623,000725
Net interest income$31,981,000454
Provision for loan and lease losses$600,000719
Total noninterest income$2,655,0001,043
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$331,0001,557
Trading account gains and fees$0131
Additional Noninterest Income$2,324,000839
Total noninterest expense$15,781,000747
Salaries and employee benefits$10,108,000653
Premises and equipment expense$1,987,000646
Additional noninterest expense$3,686,000923
Pre-tax net operating income$18,255,000387
Securities gains (losses)$21,0001,032
Applicable income taxes$4,572,000341
Income before extraordinary items$13,704,000410
Extraordinary gains, net$011
Net income$13,704,000411
Minority interest net income$069
Net income of bank and minority interests.$13,704,000411
Net charge-offs$-72,0004,998
Cash dividends$3,871,000545
Sale, conversion, retirement of capital stock, net$0573
Net operating income$13,687,410404
2019-03-31 (YTD Data)Rank
Total interest income$17,433,000503
Total interest expense$2,217,000736
Net interest income$15,216,000465
Provision for loan and lease losses$300,000677
Total noninterest income$1,198,0001,094
Gross Fiduciary activities income$0972
Service charges on deposit accounts$164,0001,558
Trading account gains and fees$0126
Additional Noninterest Income$1,034,000886
Total noninterest expense$7,652,000756
Salaries and employee benefits$4,940,000667
Premises and equipment expense$991,000653
Additional noninterest expense$1,721,000959
Pre-tax net operating income$8,462,000400
Securities gains (losses)$01,087
Applicable income taxes$2,112,000349
Income before extraordinary items$6,350,000432
Extraordinary gains, net$05
Net income$6,350,000431
Minority interest net income$052
Net income of bank and minority interests.$6,350,000431
Net charge-offs$327,000444
Cash dividends$1,002,000806
Sale, conversion, retirement of capital stock, net$0529
Net operating income$6,350,000425
2018-12-31 (YTD Data)Rank
Total interest income$67,808,000483
Total interest expense$6,413,000761
Net interest income$61,395,000454
Provision for loan and lease losses$2,877,000383
Total noninterest income$6,747,000906
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$709,0001,521
Trading account gains and fees$0126
Additional Noninterest Income$6,038,000718
Total noninterest expense$29,815,000758
Salaries and employee benefits$18,822,000676
Premises and equipment expense$3,619,000694
Additional noninterest expense$7,374,000907
Pre-tax net operating income$35,450,000393
Securities gains (losses)$01,125
Applicable income taxes$8,696,000336
Income before extraordinary items$26,754,000411
Extraordinary gains, net$06
Net income$26,754,000410
Minority interest net income$072
Net income of bank and minority interests.$26,754,000410
Net charge-offs$-190,0005,166
Cash dividends$4,916,000759
Sale, conversion, retirement of capital stock, net$0671
Net operating income$26,754,000409
2018-09-30 (YTD Data)Rank
Total interest income$50,863,000467
Total interest expense$4,382,000770
Net interest income$46,481,000450
Provision for loan and lease losses$2,158,000373
Total noninterest income$5,472,000867
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$531,0001,526
Trading account gains and fees$0138
Additional Noninterest Income$4,941,000687
Total noninterest expense$22,474,000749
Salaries and employee benefits$14,081,000676
Premises and equipment expense$2,689,000705
Additional noninterest expense$5,704,000866
Pre-tax net operating income$27,321,000386
Securities gains (losses)$01,118
Applicable income taxes$6,840,000337
Income before extraordinary items$20,481,000410
Extraordinary gains, net$05
Net income$20,481,000409
Minority interest net income$066
Net income of bank and minority interests.$20,481,000409
Net charge-offs$-141,0005,185
Cash dividends$2,157,0001,001
Sale, conversion, retirement of capital stock, net$0633
Net operating income$20,481,000409
2018-06-30 (YTD Data)Rank
Total interest income$32,470,000487
Total interest expense$2,722,000773
Net interest income$29,748,000465
Provision for loan and lease losses$1,439,000361
Total noninterest income$3,179,000941
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$352,0001,519
Trading account gains and fees$0130
Additional Noninterest Income$2,827,000745
Total noninterest expense$14,600,000763
Salaries and employee benefits$9,246,000699
Premises and equipment expense$1,780,000715
Additional noninterest expense$3,574,000917
Pre-tax net operating income$16,888,000399
Securities gains (losses)$0961
Applicable income taxes$4,210,000341
Income before extraordinary items$12,678,000429
Extraordinary gains, net$06
Net income$12,678,000427
Minority interest net income$065
Net income of bank and minority interests.$12,678,000428
Net charge-offs$129,0001,160
Cash dividends$1,535,000935
Sale, conversion, retirement of capital stock, net$0620
Net operating income$12,678,000428
2018-03-31 (YTD Data)Rank
Total interest income$15,897,000495
Total interest expense$1,300,000768
Net interest income$14,597,000470
Provision for loan and lease losses$719,000353
Total noninterest income$1,482,000976
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$177,0001,527
Trading account gains and fees$0123
Additional Noninterest Income$1,305,000765
Total noninterest expense$7,120,000786
Salaries and employee benefits$4,519,000707
Premises and equipment expense$892,000717
Additional noninterest expense$1,709,000952
Pre-tax net operating income$8,240,000401
Securities gains (losses)$0735
Applicable income taxes$2,065,000345
Income before extraordinary items$6,175,000426
Extraordinary gains, net$07
Net income$6,175,000425
Minority interest net income$052
Net income of bank and minority interests.$6,175,000426
Net charge-offs$1,073,000212
Cash dividends$797,000861
Sale, conversion, retirement of capital stock, net$0580
Net operating income$6,175,000427
2017-12-31 (YTD Data)Rank
Total interest income$53,800,000533
Total interest expense$4,444,000772
Net interest income$49,356,000513
Provision for loan and lease losses$04,227
Total noninterest income$15,049,000521
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$733,0001,512
Trading account gains and fees$0151
Additional Noninterest Income$14,316,000397
Total noninterest expense$29,869,000737
Salaries and employee benefits$19,222,000634
Premises and equipment expense$3,421,000726
Additional noninterest expense$7,226,000908
Pre-tax net operating income$34,536,000361
Securities gains (losses)$-11,0005,076
Applicable income taxes$13,332,000336
Income before extraordinary items$21,193,000389
Extraordinary gains, net$09
Net income$21,193,000389
Minority interest net income$076
Net income of bank and minority interests.$21,193,000389
Net charge-offs$105,0002,381
Cash dividends$4,443,000745
Sale, conversion, retirement of capital stock, net$0711
Net operating income$21,200,040384
2017-09-30 (YTD Data)Rank
Total interest income$39,577,000547
Total interest expense$3,224,000767
Net interest income$36,353,000526
Provision for loan and lease losses$04,088
Total noninterest income$14,482,000434
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$555,0001,517
Trading account gains and fees$0145
Additional Noninterest Income$13,927,000331
Total noninterest expense$20,267,000812
Salaries and employee benefits$13,170,000707
Premises and equipment expense$2,470,000764
Additional noninterest expense$4,627,0001,047
Pre-tax net operating income$30,568,000333
Securities gains (losses)$-11,0005,410
Applicable income taxes$11,690,000281
Income before extraordinary items$18,867,000379
Extraordinary gains, net$09
Net income$18,867,000379
Minority interest net income$071
Net income of bank and minority interests.$18,867,000379
Net charge-offs$-213,0005,499
Cash dividends$2,734,000824
Sale, conversion, retirement of capital stock, net$0677
Net operating income$18,874,040376
2017-06-30 (YTD Data)Rank
Total interest income$23,593,000586
Total interest expense$2,108,000758
Net interest income$21,485,000578
Provision for loan and lease losses$03,871
Total noninterest income$11,854,000369
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$373,0001,497
Trading account gains and fees$0139
Additional Noninterest Income$11,481,000286
Total noninterest expense$13,315,000817
Salaries and employee benefits$8,649,000716
Premises and equipment expense$1,660,000761
Additional noninterest expense$3,006,0001,087
Pre-tax net operating income$20,024,000334
Securities gains (losses)$-11,0005,500
Applicable income taxes$7,587,000283
Income before extraordinary items$12,426,000380
Extraordinary gains, net$011
Net income$12,426,000380
Minority interest net income$071
Net income of bank and minority interests.$12,426,000380
Net charge-offs$-415,0005,706
Cash dividends$2,026,000748
Sale, conversion, retirement of capital stock, net$0659
Net operating income$12,433,040376
2017-03-31 (YTD Data)Rank
Total interest income$11,300,000614
Total interest expense$1,073,000716
Net interest income$10,227,000604
Provision for loan and lease losses$2,188,000167
Total noninterest income$8,808,000282
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$184,0001,504
Trading account gains and fees$0142
Additional Noninterest Income$8,624,000211
Total noninterest expense$6,684,000821
Salaries and employee benefits$4,353,000721
Premises and equipment expense$840,000758
Additional noninterest expense$1,491,0001,074
Pre-tax net operating income$10,163,000331
Securities gains (losses)$-37,0005,754
Applicable income taxes$3,846,000289
Income before extraordinary items$6,280,000382
Extraordinary gains, net$08
Net income$6,280,000381
Minority interest net income$055
Net income of bank and minority interests.$6,280,000382
Net charge-offs$-209,0005,731
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$6,303,680373
2016-12-31 (YTD Data)Rank
Total interest income$43,536,000624
Total interest expense$4,029,000732
Net interest income$39,507,000604
Provision for loan and lease losses$750,0001,141
Total noninterest income$9,702,000712
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$788,0001,459
Trading account gains and fees$0170
Additional Noninterest Income$8,914,000551
Total noninterest expense$26,350,000809
Salaries and employee benefits$17,205,000692
Premises and equipment expense$3,218,000772
Additional noninterest expense$5,927,0001,108
Pre-tax net operating income$22,109,000467
Securities gains (losses)$03,212
Applicable income taxes$8,443,000378
Income before extraordinary items$13,666,000564
Extraordinary gains, net$05
Net income$13,666,000562
Minority interest net income$082
Net income of bank and minority interests.$13,666,000563
Net charge-offs$55,0003,070
Cash dividends$3,797,000864
Sale, conversion, retirement of capital stock, net$0759
Net operating income$13,666,000551
2016-09-30 (YTD Data)Rank
Total interest income$32,342,000627
Total interest expense$2,972,000739
Net interest income$29,370,000611
Provision for loan and lease losses$563,0001,061
Total noninterest income$6,730,000752
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$593,0001,451
Trading account gains and fees$0169
Additional Noninterest Income$6,137,000598
Total noninterest expense$19,066,000839
Salaries and employee benefits$12,427,000715
Premises and equipment expense$2,390,000785
Additional noninterest expense$4,249,0001,155
Pre-tax net operating income$16,471,000477
Securities gains (losses)$03,160
Applicable income taxes$5,849,000412
Income before extraordinary items$10,622,000552
Extraordinary gains, net$05
Net income$10,622,000552
Minority interest net income$071
Net income of bank and minority interests.$10,622,000552
Net charge-offs$-4,0004,681
Cash dividends$2,182,000956
Sale, conversion, retirement of capital stock, net$0719
Net operating income$10,622,000538
2016-06-30 (YTD Data)Rank
Total interest income$21,242,000634
Total interest expense$1,994,000726
Net interest income$19,248,000624
Provision for loan and lease losses$375,0001,061
Total noninterest income$4,752,000711
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$400,0001,426
Trading account gains and fees$0157
Additional Noninterest Income$4,352,000556
Total noninterest expense$12,614,000841
Salaries and employee benefits$8,240,000725
Premises and equipment expense$1,546,000812
Additional noninterest expense$2,828,0001,150
Pre-tax net operating income$11,011,000470
Securities gains (losses)$02,835
Applicable income taxes$3,783,000418
Income before extraordinary items$7,228,000538
Extraordinary gains, net$016
Net income$7,228,000534
Minority interest net income$071
Net income of bank and minority interests.$7,228,000537
Net charge-offs$-79,0005,638
Cash dividends$1,231,0001,126
Sale, conversion, retirement of capital stock, net$0705
Net operating income$7,228,000524
2016-03-31 (YTD Data)Rank
Total interest income$10,321,000651
Total interest expense$998,000726
Net interest income$9,323,000642
Provision for loan and lease losses$188,0001,012
Total noninterest income$2,106,000768
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$203,0001,414
Trading account gains and fees$0142
Additional Noninterest Income$1,903,000589
Total noninterest expense$6,248,000846
Salaries and employee benefits$4,092,000729
Premises and equipment expense$777,000813
Additional noninterest expense$1,379,0001,165
Pre-tax net operating income$4,993,000493
Securities gains (losses)$02,077
Applicable income taxes$1,939,000397
Income before extraordinary items$3,054,000604
Extraordinary gains, net$012
Net income$3,054,000601
Minority interest net income$062
Net income of bank and minority interests.$3,054,000604
Net charge-offs$-243,0006,019
Cash dividends$316,0001,568
Sale, conversion, retirement of capital stock, net$0659
Net operating income$3,054,000589
2015-12-31 (YTD Data)Rank
Total interest income$38,459,000673
Total interest expense$3,612,000776
Net interest income$34,847,000652
Provision for loan and lease losses$1,188,000697
Total noninterest income$13,576,000539
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$813,0001,457
Trading account gains and fees$0159
Additional Noninterest Income$12,763,000415
Total noninterest expense$24,966,000830
Salaries and employee benefits$16,232,000703
Premises and equipment expense$3,079,000803
Additional noninterest expense$5,655,0001,145
Pre-tax net operating income$22,269,000441
Securities gains (losses)$03,216
Applicable income taxes$8,887,000342
Income before extraordinary items$13,382,000549
Extraordinary gains, net$023
Net income$13,382,000548
Minority interest net income$081
Net income of bank and minority interests.$13,382,000550
Net charge-offs$905,000745
Cash dividends$10,606,000367
Sale, conversion, retirement of capital stock, net$0804
Net operating income$13,382,000544
2015-09-30 (YTD Data)Rank
Total interest income$28,462,000685
Total interest expense$2,664,000793
Net interest income$25,798,000665
Provision for loan and lease losses$1,188,000513
Total noninterest income$9,192,000596
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$600,0001,487
Trading account gains and fees$0153
Additional Noninterest Income$8,592,000451
Total noninterest expense$17,813,000882
Salaries and employee benefits$11,816,000740
Premises and equipment expense$2,241,000843
Additional noninterest expense$3,756,0001,272
Pre-tax net operating income$15,989,000470
Securities gains (losses)$03,031
Applicable income taxes$5,890,000398
Income before extraordinary items$10,099,000562
Extraordinary gains, net$021
Net income$10,099,000560
Minority interest net income$078
Net income of bank and minority interests.$10,099,000562
Net charge-offs$713,000665
Cash dividends$10,234,000280
Sale, conversion, retirement of capital stock, net$0773
Net operating income$10,099,000548
2015-06-30 (YTD Data)Rank
Total interest income$18,913,000681
Total interest expense$1,772,000792
Net interest income$17,141,000666
Provision for loan and lease losses$1,188,000376
Total noninterest income$7,329,000517
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$356,0001,613
Trading account gains and fees$0157
Additional Noninterest Income$6,973,000400
Total noninterest expense$11,658,000902
Salaries and employee benefits$7,891,000739
Premises and equipment expense$1,498,000836
Additional noninterest expense$2,269,0001,384
Pre-tax net operating income$11,624,000432
Securities gains (losses)$02,636
Applicable income taxes$4,290,000369
Income before extraordinary items$7,334,000515
Extraordinary gains, net$022
Net income$7,334,000512
Minority interest net income$075
Net income of bank and minority interests.$7,334,000515
Net charge-offs$321,000865
Cash dividends$804,0001,450
Sale, conversion, retirement of capital stock, net$-7,025,0006,339
Net operating income$7,334,000505
2015-03-31 (YTD Data)Rank
Total interest income$9,141,000699
Total interest expense$892,000794
Net interest income$8,249,000688
Provision for loan and lease losses$188,000938
Total noninterest income$2,031,000778
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$144,0001,876
Trading account gains and fees$0152
Additional Noninterest Income$1,887,000599
Total noninterest expense$5,677,000918
Salaries and employee benefits$3,874,000766
Premises and equipment expense$730,000863
Additional noninterest expense$1,073,0001,436
Pre-tax net operating income$4,415,000539
Securities gains (losses)$02,027
Applicable income taxes$1,615,000446
Income before extraordinary items$2,800,000640
Extraordinary gains, net$013
Net income$2,800,000638
Minority interest net income$064
Net income of bank and minority interests.$2,800,000640
Net charge-offs$25,0001,996
Cash dividends$389,0001,338
Sale, conversion, retirement of capital stock, net$-2,825,0006,412
Net operating income$2,800,000625
2014-12-31 (YTD Data)Rank
Total interest income$35,144,000720
Total interest expense$3,791,000777
Net interest income$31,353,000703
Provision for loan and lease losses$876,000968
Total noninterest income$6,934,000875
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$576,0002,038
Trading account gains and fees$0180
Additional Noninterest Income$6,358,000635
Total noninterest expense$23,780,000845
Salaries and employee benefits$15,241,000733
Premises and equipment expense$2,769,000880
Additional noninterest expense$5,770,0001,135
Pre-tax net operating income$13,631,000620
Securities gains (losses)$-118,0006,350
Applicable income taxes$5,029,000498
Income before extraordinary items$8,484,000791
Extraordinary gains, net$017
Net income$8,484,000790
Minority interest net income$084
Net income of bank and minority interests.$8,484,000790
Net charge-offs$-172,0006,225
Cash dividends$1,984,0001,307
Sale, conversion, retirement of capital stock, net$0862
Net operating income$8,559,520773
2014-09-30 (YTD Data)Rank
Total interest income$25,770,000735
Total interest expense$2,854,000784
Net interest income$22,916,000719
Provision for loan and lease losses$688,000901
Total noninterest income$5,922,000780
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$415,0002,115
Trading account gains and fees$0174
Additional Noninterest Income$5,507,000578
Total noninterest expense$18,148,000826
Salaries and employee benefits$11,742,000709
Premises and equipment expense$2,139,000872
Additional noninterest expense$4,267,0001,158
Pre-tax net operating income$10,002,000633
Securities gains (losses)$-118,0006,453
Applicable income taxes$3,580,000516
Income before extraordinary items$6,304,000794
Extraordinary gains, net$015
Net income$6,304,000793
Minority interest net income$081
Net income of bank and minority interests.$6,304,000793
Net charge-offs$534,0001,093
Cash dividends$781,0001,761
Sale, conversion, retirement of capital stock, net$0819
Net operating income$6,379,520772
2014-06-30 (YTD Data)Rank
Total interest income$16,640,000756
Total interest expense$1,911,000784
Net interest income$14,729,000740
Provision for loan and lease losses$432,000946
Total noninterest income$5,296,000612
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$241,0002,333
Trading account gains and fees$0172
Additional Noninterest Income$5,055,000439
Total noninterest expense$12,181,000820
Salaries and employee benefits$7,811,000707
Premises and equipment expense$1,443,000855
Additional noninterest expense$2,927,0001,109
Pre-tax net operating income$7,412,000577
Securities gains (losses)$-118,0006,555
Applicable income taxes$2,659,000466
Income before extraordinary items$4,635,000709
Extraordinary gains, net$020
Net income$4,635,000708
Minority interest net income$080
Net income of bank and minority interests.$4,635,000709
Net charge-offs$445,000957
Cash dividends$389,0002,084
Sale, conversion, retirement of capital stock, net$0794
Net operating income$4,710,520679
2014-03-31 (YTD Data)Rank
Total interest income$7,804,000811
Total interest expense$942,000811
Net interest income$6,862,000798
Provision for loan and lease losses$199,0001,023
Total noninterest income$3,680,000459
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$101,0002,658
Trading account gains and fees$0147
Additional Noninterest Income$3,579,000331
Total noninterest expense$5,906,000852
Salaries and employee benefits$3,773,000739
Premises and equipment expense$671,000943
Additional noninterest expense$1,462,0001,096
Pre-tax net operating income$4,437,000487
Securities gains (losses)$01,715
Applicable income taxes$1,665,000390
Income before extraordinary items$2,772,000577
Extraordinary gains, net$016
Net income$2,772,000578
Minority interest net income$066
Net income of bank and minority interests.$2,772,000578
Net charge-offs$197,000960
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$2,772,000569
2013-12-31 (YTD Data)Rank
Total interest income$27,077,000933
Total interest expense$3,882,000880
Net interest income$23,195,000932
Provision for loan and lease losses$1,822,000668
Total noninterest income$11,034,000615
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$270,0003,548
Trading account gains and fees$0184
Additional Noninterest Income$10,764,000452
Total noninterest expense$19,275,0001,066
Salaries and employee benefits$12,192,000885
Premises and equipment expense$2,123,0001,126
Additional noninterest expense$4,960,0001,356
Pre-tax net operating income$13,132,000602
Securities gains (losses)$03,182
Applicable income taxes$4,686,000475
Income before extraordinary items$8,446,000756
Extraordinary gains, net$029
Net income$8,446,000756
Minority interest net income$090
Net income of bank and minority interests.$8,446,000757
Net charge-offs$759,0001,545
Cash dividends$1,088,0001,835
Sale, conversion, retirement of capital stock, net$5,000,00084
Net operating income$8,446,000737
2013-09-30 (YTD Data)Rank
Total interest income$19,722,000965
Total interest expense$2,906,000912
Net interest income$16,816,000977
Provision for loan and lease losses$1,440,000665
Total noninterest income$9,511,000579
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$181,0003,795
Trading account gains and fees$0180
Additional Noninterest Income$9,330,000423
Total noninterest expense$13,421,0001,137
Salaries and employee benefits$8,563,000942
Premises and equipment expense$1,397,0001,282
Additional noninterest expense$3,461,0001,430
Pre-tax net operating income$11,466,000541
Securities gains (losses)$03,040
Applicable income taxes$4,028,000448
Income before extraordinary items$7,438,000660
Extraordinary gains, net$025
Net income$7,438,000661
Minority interest net income$084
Net income of bank and minority interests.$7,438,000662
Net charge-offs$533,0001,532
Cash dividends$88,0003,397
Sale, conversion, retirement of capital stock, net$5,000,00062
Net operating income$7,438,000628
2013-06-30 (YTD Data)Rank
Total interest income$12,618,0001,004
Total interest expense$1,935,000938
Net interest income$10,683,0001,022
Provision for loan and lease losses$934,000718
Total noninterest income$6,499,000578
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$104,0004,042
Trading account gains and fees$0157
Additional Noninterest Income$6,395,000428
Total noninterest expense$8,273,0001,227
Salaries and employee benefits$5,451,000989
Premises and equipment expense$871,0001,381
Additional noninterest expense$1,951,0001,642
Pre-tax net operating income$7,975,000520
Securities gains (losses)$02,791
Applicable income taxes$2,624,000451
Income before extraordinary items$5,351,000623
Extraordinary gains, net$022
Net income$5,351,000623
Minority interest net income$082
Net income of bank and minority interests.$5,351,000625
Net charge-offs$255,0001,849
Cash dividends$58,0003,242
Sale, conversion, retirement of capital stock, net$0838
Net operating income$5,351,000595
2013-03-31 (YTD Data)Rank
Total interest income$6,284,0001,009
Total interest expense$972,000971
Net interest income$5,312,0001,025
Provision for loan and lease losses$444,000757
Total noninterest income$2,157,000771
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$53,0003,986
Trading account gains and fees$0148
Additional Noninterest Income$2,104,000564
Total noninterest expense$3,945,0001,283
Salaries and employee benefits$2,770,000989
Premises and equipment expense$416,0001,464
Additional noninterest expense$759,0002,059
Pre-tax net operating income$3,080,000624
Securities gains (losses)$01,966
Applicable income taxes$1,080,000513
Income before extraordinary items$2,000,000781
Extraordinary gains, net$010
Net income$2,000,000782
Minority interest net income$076
Net income of bank and minority interests.$2,000,000783
Net charge-offs$292,0001,077
Cash dividends$29,0002,519
Sale, conversion, retirement of capital stock, net$0789
Net operating income$2,000,000744
2012-12-31 (YTD Data)Rank
Total interest income$25,344,0001,044
Total interest expense$4,299,0001,058
Net interest income$21,045,0001,045
Provision for loan and lease losses$2,090,0001,037
Total noninterest income$12,145,000589
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$236,0003,973
Trading account gains and fees$0166
Additional Noninterest Income$11,909,000435
Total noninterest expense$15,139,0001,320
Salaries and employee benefits$10,199,0001,036
Premises and equipment expense$1,359,0001,739
Additional noninterest expense$3,581,0001,837
Pre-tax net operating income$15,961,000503
Securities gains (losses)$228,0001,588
Applicable income taxes$6,357,000373
Income before extraordinary items$9,832,000628
Extraordinary gains, net$029
Net income$9,832,000627
Minority interest net income$093
Net income of bank and minority interests.$9,832,000628
Net charge-offs$728,0002,179
Cash dividends$1,674,0001,379
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$9,686,080610
2012-09-30 (YTD Data)Rank
Total interest income$18,431,0001,106
Total interest expense$3,250,0001,092
Net interest income$15,181,0001,097
Provision for loan and lease losses$1,675,000996
Total noninterest income$9,141,000579
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$176,0004,029
Trading account gains and fees$0157
Additional Noninterest Income$8,965,000427
Total noninterest expense$10,650,0001,393
Salaries and employee benefits$7,149,0001,092
Premises and equipment expense$991,0001,801
Additional noninterest expense$2,510,0001,962
Pre-tax net operating income$11,997,000512
Securities gains (losses)$228,0001,330
Applicable income taxes$4,575,000387
Income before extraordinary items$7,650,000628
Extraordinary gains, net$020
Net income$7,650,000627
Minority interest net income$086
Net income of bank and minority interests.$7,650,000628
Net charge-offs$533,0002,103
Cash dividends$695,0001,691
Sale, conversion, retirement of capital stock, net$0952
Net operating income$7,504,080611
2012-06-30 (YTD Data)Rank
Total interest income$11,945,0001,146
Total interest expense$2,161,0001,134
Net interest income$9,784,0001,139
Provision for loan and lease losses$1,076,0001,036
Total noninterest income$6,387,000555
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$110,0004,130
Trading account gains and fees$0153
Additional Noninterest Income$6,277,000401
Total noninterest expense$6,836,0001,432
Salaries and employee benefits$4,647,0001,124
Premises and equipment expense$604,0001,958
Additional noninterest expense$1,585,0002,063
Pre-tax net operating income$8,259,000486
Securities gains (losses)$228,0001,020
Applicable income taxes$3,171,000372
Income before extraordinary items$5,316,000602
Extraordinary gains, net$019
Net income$5,316,000602
Minority interest net income$084
Net income of bank and minority interests.$5,316,000602
Net charge-offs$201,0002,748
Cash dividends$308,0002,113
Sale, conversion, retirement of capital stock, net$0928
Net operating income$5,170,080590
2012-03-31 (YTD Data)Rank
Total interest income$5,807,0001,191
Total interest expense$1,144,0001,109
Net interest income$4,663,0001,198
Provision for loan and lease losses$210,0001,952
Total noninterest income$3,727,000488
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$54,0004,145
Trading account gains and fees$0148
Additional Noninterest Income$3,673,000350
Total noninterest expense$3,451,0001,418
Salaries and employee benefits$2,303,0001,132
Premises and equipment expense$288,0002,045
Additional noninterest expense$860,0001,917
Pre-tax net operating income$4,729,000430
Securities gains (losses)$228,000548
Applicable income taxes$1,936,000328
Income before extraordinary items$3,021,000530
Extraordinary gains, net$019
Net income$3,021,000529
Minority interest net income$078
Net income of bank and minority interests.$3,021,000531
Net charge-offs$38,0003,242
Cash dividends$29,0002,570
Sale, conversion, retirement of capital stock, net$0861
Net operating income$2,875,080535
2011-12-31 (YTD Data)Rank
Total interest income$16,751,0001,690
Total interest expense$3,408,0001,741
Net interest income$13,343,0001,676
Provision for loan and lease losses$2,755,0001,269
Total noninterest income$27,001,000299
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$213,0004,268
Trading account gains and fees$0146
Additional Noninterest Income$26,788,000219
Total noninterest expense$11,011,0001,758
Salaries and employee benefits$6,900,0001,437
Premises and equipment expense$833,0002,822
Additional noninterest expense$3,278,0002,039
Pre-tax net operating income$26,578,000292
Securities gains (losses)$03,838
Applicable income taxes$10,364,000248
Income before extraordinary items$16,214,000358
Extraordinary gains, net$029
Net income$16,214,000359
Minority interest net income$096
Net income of bank and minority interests.$16,214,000359
Net charge-offs$1,670,0001,745
Cash dividends$2,395,000825
Sale, conversion, retirement of capital stock, net$2,263,000228
Net operating income$16,214,000344
2011-09-30 (YTD Data)Rank
Total interest income$11,529,0001,848
Total interest expense$2,370,0001,944
Net interest income$9,159,0001,829
Provision for loan and lease losses$1,120,0001,831
Total noninterest income$8,381,000570
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$151,0004,388
Trading account gains and fees$0145
Additional Noninterest Income$8,230,000407
Total noninterest expense$6,932,0002,076
Salaries and employee benefits$4,387,0001,676
Premises and equipment expense$546,0003,144
Additional noninterest expense$1,999,0002,466
Pre-tax net operating income$9,488,000523
Securities gains (losses)$03,555
Applicable income taxes$3,465,000434
Income before extraordinary items$6,023,000667
Extraordinary gains, net$021
Net income$6,023,000667
Minority interest net income$087
Net income of bank and minority interests.$6,023,000667
Net charge-offs$264,0003,386
Cash dividends$1,120,0001,062
Sale, conversion, retirement of capital stock, net$2,263,000197
Net operating income$6,023,000641
2011-06-30 (YTD Data)Rank
Total interest income$7,441,0001,933
Total interest expense$1,591,0001,998
Net interest income$5,850,0001,889
Provision for loan and lease losses$785,0001,753
Total noninterest income$5,496,000583
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$97,0004,432
Trading account gains and fees$0153
Additional Noninterest Income$5,399,000405
Total noninterest expense$4,492,0002,152
Salaries and employee benefits$2,819,0001,737
Premises and equipment expense$345,0003,284
Additional noninterest expense$1,328,0002,502
Pre-tax net operating income$6,069,000540
Securities gains (losses)$02,914
Applicable income taxes$2,195,000431
Income before extraordinary items$3,874,000676
Extraordinary gains, net$015
Net income$3,874,000674
Minority interest net income$089
Net income of bank and minority interests.$3,874,000676
Net charge-offs$233,0002,957
Cash dividends$530,0001,362
Sale, conversion, retirement of capital stock, net$0986
Net operating income$3,874,000654
2011-03-31 (YTD Data)Rank
Total interest income$3,568,0002,012
Total interest expense$792,0002,078
Net interest income$2,776,0001,975
Provision for loan and lease losses$400,0001,629
Total noninterest income$2,670,000587
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$49,0004,390
Trading account gains and fees$0158
Additional Noninterest Income$2,621,000421
Total noninterest expense$2,138,0002,257
Salaries and employee benefits$1,356,0001,830
Premises and equipment expense$171,0003,368
Additional noninterest expense$611,0002,683
Pre-tax net operating income$2,908,000572
Securities gains (losses)$01,772
Applicable income taxes$1,100,000419
Income before extraordinary items$1,808,000716
Extraordinary gains, net$09
Net income$1,808,000716
Minority interest net income$086
Net income of bank and minority interests.$1,808,000716
Net charge-offs$354,0001,614
Cash dividends$266,0001,205
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,808,000700
2010-12-31 (YTD Data)Rank
Total interest income$17,045,0001,772
Total interest expense$3,542,0002,237
Net interest income$13,503,0001,644
Provision for loan and lease losses$2,043,0002,040
Total noninterest income$3,864,0001,304
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$247,0004,029
Trading account gains and fees$0175
Additional Noninterest Income$3,617,000927
Total noninterest expense$8,829,0002,197
Salaries and employee benefits$5,775,0001,684
Premises and equipment expense$588,0003,766
Additional noninterest expense$2,466,0002,719
Pre-tax net operating income$6,495,000819
Securities gains (losses)$2,0003,620
Applicable income taxes$2,357,000643
Income before extraordinary items$4,140,0001,045
Extraordinary gains, net$029
Net income$4,140,0001,047
Minority interest net income$0111
Net income of bank and minority interests.$4,140,0001,048
Net charge-offs$93,0005,473
Cash dividends$1,038,0001,428
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$4,138,7201,003
2010-09-30 (YTD Data)Rank
Total interest income$12,098,0001,914
Total interest expense$2,692,0002,297
Net interest income$9,406,0001,787
Provision for loan and lease losses$685,0003,058
Total noninterest income$1,025,0002,686
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$184,0004,109
Trading account gains and fees$0165
Additional Noninterest Income$841,0002,015
Total noninterest expense$5,961,0002,433
Salaries and employee benefits$3,825,0001,900
Premises and equipment expense$432,0003,884
Additional noninterest expense$1,704,0002,844
Pre-tax net operating income$3,785,0001,075
Securities gains (losses)$2,0003,465
Applicable income taxes$1,260,000856
Income before extraordinary items$2,527,0001,317
Extraordinary gains, net$023
Net income$2,527,0001,321
Minority interest net income$0110
Net income of bank and minority interests.$2,527,0001,321
Net charge-offs$-17,0007,530
Cash dividends$773,0001,294
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$2,525,6601,278
2010-06-30 (YTD Data)Rank
Total interest income$7,835,0001,995
Total interest expense$1,803,0002,385
Net interest income$6,032,0001,854
Provision for loan and lease losses$580,0002,641
Total noninterest income$649,0002,715
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$124,0004,080
Trading account gains and fees$0152
Additional Noninterest Income$525,0002,026
Total noninterest expense$3,707,0002,611
Salaries and employee benefits$2,332,0002,085
Premises and equipment expense$261,0004,166
Additional noninterest expense$1,114,0002,903
Pre-tax net operating income$2,394,0001,115
Securities gains (losses)$2,0002,979
Applicable income taxes$814,000844
Income before extraordinary items$1,582,0001,391
Extraordinary gains, net$019
Net income$1,582,0001,391
Minority interest net income$0105
Net income of bank and minority interests.$1,582,0001,392
Net charge-offs$-154,0007,776
Cash dividends$508,0001,299
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,580,6801,342
2010-03-31 (YTD Data)Rank
Total interest income$4,074,0001,964
Total interest expense$887,0002,528
Net interest income$3,187,0001,780
Provision for loan and lease losses$490,0001,860
Total noninterest income$289,0002,945
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$62,0004,062
Trading account gains and fees$0175
Additional Noninterest Income$227,0002,210
Total noninterest expense$1,737,0002,786
Salaries and employee benefits$1,117,0002,209
Premises and equipment expense$121,0004,447
Additional noninterest expense$499,0003,190
Pre-tax net operating income$1,249,0001,060
Securities gains (losses)$2,0002,064
Applicable income taxes$415,000817
Income before extraordinary items$836,0001,310
Extraordinary gains, net$016
Net income$836,0001,313
Minority interest net income$091
Net income of bank and minority interests.$836,0001,312
Net charge-offs$-199,0007,897
Cash dividends$244,0001,252
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$834,6601,273
2009-12-31 (YTD Data)Rank
Total interest income$13,160,0002,522
Total interest expense$4,236,0002,616
Net interest income$8,924,0002,430
Provision for loan and lease losses$620,0004,203
Total noninterest income$1,771,0002,306
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$249,0004,238
Trading account gains and fees$0211
Additional Noninterest Income$1,522,0001,635
Total noninterest expense$7,087,0002,766
Salaries and employee benefits$4,437,0002,217
Premises and equipment expense$474,0004,517
Additional noninterest expense$2,176,0003,117
Pre-tax net operating income$2,988,0001,341
Securities gains (losses)$-6,0006,967
Applicable income taxes$1,066,000919
Income before extraordinary items$1,916,0001,754
Extraordinary gains, net$034
Net income$1,916,0001,753
Minority interest net income$0115
Net income of bank and minority interests.$1,916,0001,754
Net charge-offs$565,0003,636
Cash dividends$788,0001,958
Sale, conversion, retirement of capital stock, net$4,640,000198
Net operating income$1,919,8401,706
2009-09-30 (YTD Data)Rank
Total interest income$9,794,0002,581
Total interest expense$3,297,0002,639
Net interest income$6,497,0002,504
Provision for loan and lease losses$340,0004,414
Total noninterest income$1,414,0002,259
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$179,0004,331
Trading account gains and fees$0212
Additional Noninterest Income$1,235,0001,590
Total noninterest expense$5,154,0002,830
Salaries and employee benefits$3,283,0002,270
Premises and equipment expense$332,0004,756
Additional noninterest expense$1,539,0003,221
Pre-tax net operating income$2,417,0001,337
Securities gains (losses)$-1,0007,086
Applicable income taxes$745,0001,053
Income before extraordinary items$1,671,0001,603
Extraordinary gains, net$027
Net income$1,671,0001,601
Minority interest net income$0118
Net income of bank and minority interests.$1,671,0001,603
Net charge-offs$4,0006,745
Cash dividends$569,0001,862
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,671,6901,561
2009-06-30 (YTD Data)Rank
Total interest income$6,555,0002,605
Total interest expense$2,270,0002,675
Net interest income$4,285,0002,524
Provision for loan and lease losses$310,0003,640
Total noninterest income$1,123,0002,007
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$111,0004,448
Trading account gains and fees$0193
Additional Noninterest Income$1,012,0001,423
Total noninterest expense$3,521,0002,813
Salaries and employee benefits$2,247,0002,242
Premises and equipment expense$201,0005,060
Additional noninterest expense$1,073,0003,116
Pre-tax net operating income$1,577,0001,454
Securities gains (losses)$03,136
Applicable income taxes$488,0001,108
Income before extraordinary items$1,089,0001,710
Extraordinary gains, net$021
Net income$1,089,0001,707
Minority interest net income$0112
Net income of bank and minority interests.$1,089,0001,709
Net charge-offs$13,0005,866
Cash dividends$374,0001,976
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,089,0001,675
2009-03-31 (YTD Data)Rank
Total interest income$3,295,0002,627
Total interest expense$1,094,0002,847
Net interest income$2,201,0002,452
Provision for loan and lease losses$30,0005,394
Total noninterest income$347,0002,744
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$49,0004,651
Trading account gains and fees$0171
Additional Noninterest Income$298,0001,965
Total noninterest expense$1,722,0002,788
Salaries and employee benefits$1,180,0002,160
Premises and equipment expense$99,0005,139
Additional noninterest expense$443,0003,312
Pre-tax net operating income$796,0001,611
Securities gains (losses)$02,434
Applicable income taxes$240,0001,261
Income before extraordinary items$556,0001,931
Extraordinary gains, net$015
Net income$556,0001,933
Minority interest net income$0102
Net income of bank and minority interests.$556,0001,933
Net charge-offs$149,0002,422
Cash dividends$167,0001,853
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$556,0001,821
2008-12-31 (YTD Data)Rank
Total interest income$13,117,0002,804
Total interest expense$4,866,0003,022
Net interest income$8,251,0002,632
Provision for loan and lease losses$07,334
Total noninterest income$1,225,0003,006
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$235,0004,488
Trading account gains and fees$0154
Additional Noninterest Income$990,0002,133
Total noninterest expense$5,632,0003,257
Salaries and employee benefits$3,589,0002,762
Premises and equipment expense$406,0005,044
Additional noninterest expense$1,637,0003,403
Pre-tax net operating income$3,844,0001,417
Securities gains (losses)$-9,0007,014
Applicable income taxes$1,140,0001,077
Income before extraordinary items$2,695,0001,515
Extraordinary gains, net$039
Net income$2,695,0001,516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-613,0008,296
Cash dividends$620,0003,041
Sale, conversion, retirement of capital stock, net$4,767,000229
Net operating income$2,701,3001,606
2008-09-30 (YTD Data)Rank
Total interest income$9,905,0002,842
Total interest expense$3,644,0003,138
Net interest income$6,261,0002,618
Provision for loan and lease losses$06,991
Total noninterest income$762,0003,456
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$177,0004,508
Trading account gains and fees$0148
Additional Noninterest Income$585,0002,564
Total noninterest expense$4,153,0003,289
Salaries and employee benefits$2,644,0002,827
Premises and equipment expense$302,0005,094
Additional noninterest expense$1,207,0003,379
Pre-tax net operating income$2,870,0001,698
Securities gains (losses)$-8,0007,315
Applicable income taxes$999,0001,154
Income before extraordinary items$1,863,0001,897
Extraordinary gains, net$031
Net income$1,863,0001,897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-932,0008,378
Cash dividends$490,0002,783
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,868,2001,991
2008-06-30 (YTD Data)Rank
Total interest income$6,665,0002,865
Total interest expense$2,343,0003,343
Net interest income$4,322,0002,533
Provision for loan and lease losses$06,671
Total noninterest income$526,0003,405
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$119,0004,497
Trading account gains and fees$0149
Additional Noninterest Income$407,0002,562
Total noninterest expense$2,614,0003,442
Salaries and employee benefits$1,676,0002,994
Premises and equipment expense$201,0005,131
Additional noninterest expense$737,0003,577
Pre-tax net operating income$2,234,0001,524
Securities gains (losses)$-7,0008,091
Applicable income taxes$761,0001,164
Income before extraordinary items$1,466,0001,841
Extraordinary gains, net$021
Net income$1,466,0001,843
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-958,0008,448
Cash dividends$490,0002,330
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,470,6201,805
2008-03-31 (YTD Data)Rank
Total interest income$3,122,0003,113
Total interest expense$1,234,0003,387
Net interest income$1,888,0002,847
Provision for loan and lease losses$06,080
Total noninterest income$262,0003,414
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$56,0004,576
Trading account gains and fees$0158
Additional Noninterest Income$206,0002,524
Total noninterest expense$1,121,0003,902
Salaries and employee benefits$730,0003,437
Premises and equipment expense$94,0005,338
Additional noninterest expense$297,0004,150
Pre-tax net operating income$1,029,0001,739
Securities gains (losses)$6,0002,176
Applicable income taxes$384,0001,232
Income before extraordinary items$651,0002,156
Extraordinary gains, net$015
Net income$651,0002,159
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-79,0008,385
Cash dividends$200,0002,298
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$647,1602,097
2007-12-31 (YTD Data)Rank
Total interest income$12,817,0003,115
Total interest expense$5,269,0003,338
Net interest income$7,548,0002,897
Provision for loan and lease losses$-50,0008,312
Total noninterest income$536,0004,882
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$210,0004,814
Trading account gains and fees$0178
Additional Noninterest Income$326,0004,099
Total noninterest expense$4,761,0003,578
Salaries and employee benefits$2,665,0003,544
Premises and equipment expense$356,0005,358
Additional noninterest expense$1,740,0003,026
Pre-tax net operating income$3,373,0002,253
Securities gains (losses)$8,0001,417
Applicable income taxes$1,071,0001,778
Income before extraordinary items$2,310,0002,534
Extraordinary gains, net$039
Net income$2,310,0002,533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-466,0008,496
Cash dividends$400,0004,028
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$2,304,5602,527
2007-09-30 (YTD Data)Rank
Total interest income$9,540,0003,131
Total interest expense$3,883,0003,378
Net interest income$5,657,0002,893
Provision for loan and lease losses$06,528
Total noninterest income$430,0004,747
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$153,0004,887
Trading account gains and fees$0184
Additional Noninterest Income$277,0003,900
Total noninterest expense$3,474,0003,653
Salaries and employee benefits$1,981,0003,570
Premises and equipment expense$266,0005,360
Additional noninterest expense$1,227,0003,132
Pre-tax net operating income$2,613,0002,355
Securities gains (losses)$01,655
Applicable income taxes$903,0001,757
Income before extraordinary items$1,710,0002,703
Extraordinary gains, net$033
Net income$1,710,0002,701
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-391,0008,514
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$1,710,0002,681
2007-06-30 (YTD Data)Rank
Total interest income$6,195,0003,206
Total interest expense$2,506,0003,451
Net interest income$3,689,0002,979
Provision for loan and lease losses$06,209
Total noninterest income$295,0004,706
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$102,0004,904
Trading account gains and fees$0168
Additional Noninterest Income$193,0003,850
Total noninterest expense$2,309,0003,683
Salaries and employee benefits$1,308,0003,615
Premises and equipment expense$179,0005,354
Additional noninterest expense$822,0003,116
Pre-tax net operating income$1,675,0002,492
Securities gains (losses)$01,444
Applicable income taxes$578,0001,890
Income before extraordinary items$1,097,0002,833
Extraordinary gains, net$029
Net income$1,097,0002,832
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-397,0008,568
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,097,0002,811
2007-03-31 (YTD Data)Rank
Total interest income$3,020,0003,268
Total interest expense$1,264,0003,408
Net interest income$1,756,0003,111
Provision for loan and lease losses$05,779
Total noninterest income$165,0004,420
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$46,0005,043
Trading account gains and fees$0195
Additional Noninterest Income$119,0003,446
Total noninterest expense$1,146,0003,704
Salaries and employee benefits$653,0003,644
Premises and equipment expense$93,0005,263
Additional noninterest expense$400,0003,173
Pre-tax net operating income$775,0002,619
Securities gains (losses)$01,187
Applicable income taxes$265,0002,015
Income before extraordinary items$510,0002,990
Extraordinary gains, net$022
Net income$510,0002,990
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-53,0008,406
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$510,0002,971
2006-12-31 (YTD Data)Rank
Total interest income$11,403,0003,232
Total interest expense$4,313,0003,408
Net interest income$7,090,0003,072
Provision for loan and lease losses$2,670,000426
Total noninterest income$396,0005,626
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$158,0005,424
Trading account gains and fees$0130
Additional Noninterest Income$238,0004,758
Total noninterest expense$4,214,0003,834
Salaries and employee benefits$2,467,0003,648
Premises and equipment expense$342,0005,391
Additional noninterest expense$1,405,0003,471
Pre-tax net operating income$602,0006,183
Securities gains (losses)$-601,0008,530
Applicable income taxes$06,600
Income before extraordinary items$1,0007,976
Extraordinary gains, net$051
Net income$1,0007,978
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,151,000269
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$602,0005,803
2006-09-30 (YTD Data)Rank
Total interest income$8,418,0003,253
Total interest expense$3,070,0003,452
Net interest income$5,348,0003,084
Provision for loan and lease losses$540,0001,310
Total noninterest income$369,0005,181
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$120,0005,469
Trading account gains and fees$0126
Additional Noninterest Income$249,0004,103
Total noninterest expense$3,133,0003,856
Salaries and employee benefits$1,855,0003,643
Premises and equipment expense$260,0005,352
Additional noninterest expense$1,018,0003,562
Pre-tax net operating income$2,044,0003,057
Securities gains (losses)$-601,0008,644
Applicable income taxes$518,0002,818
Income before extraordinary items$925,0004,348
Extraordinary gains, net$045
Net income$925,0004,352
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$622,000679
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,309,6403,503
2006-06-30 (YTD Data)Rank
Total interest income$5,523,0003,252
Total interest expense$1,963,0003,438
Net interest income$3,560,0003,089
Provision for loan and lease losses$450,0001,060
Total noninterest income$220,0005,432
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$82,0005,431
Trading account gains and fees$0126
Additional Noninterest Income$138,0004,459
Total noninterest expense$2,083,0003,883
Salaries and employee benefits$1,235,0003,663
Premises and equipment expense$173,0005,359
Additional noninterest expense$675,0003,593
Pre-tax net operating income$1,247,0003,279
Securities gains (losses)$-601,0008,709
Applicable income taxes$223,0003,470
Income before extraordinary items$423,0005,263
Extraordinary gains, net$039
Net income$423,0005,267
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$499,000564
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$813,6503,708
2006-03-31 (YTD Data)Rank
Total interest income$2,767,0003,182
Total interest expense$967,0003,340
Net interest income$1,800,0003,057
Provision for loan and lease losses$360,000670
Total noninterest income$102,0005,558
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$41,0005,358
Trading account gains and fees$0115
Additional Noninterest Income$61,0004,716
Total noninterest expense$1,056,0003,839
Salaries and employee benefits$622,0003,651
Premises and equipment expense$90,0005,271
Additional noninterest expense$344,0003,491
Pre-tax net operating income$486,0003,803
Securities gains (losses)$-601,0008,758
Applicable income taxes$-45,0008,638
Income before extraordinary items$-70,0008,420
Extraordinary gains, net$021
Net income$-70,0008,419
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$134,000788
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$314,6404,289
2005-12-31 (YTD Data)Rank
Total interest income$10,484,0003,032
Total interest expense$3,342,0003,058
Net interest income$7,142,0002,996
Provision for loan and lease losses$1,017,0001,029
Total noninterest income$687,0004,436
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$170,0005,388
Trading account gains and fees$0138
Additional Noninterest Income$517,0003,315
Total noninterest expense$4,166,0003,747
Salaries and employee benefits$2,234,0003,804
Premises and equipment expense$450,0004,489
Additional noninterest expense$1,482,0003,258
Pre-tax net operating income$2,646,0003,053
Securities gains (losses)$02,296
Applicable income taxes$903,0002,402
Income before extraordinary items$1,743,0003,452
Extraordinary gains, net$046
Net income$1,743,0003,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$185,0002,402
Cash dividends$325,0004,269
Sale, conversion, retirement of capital stock, net$2,500,000374
Net operating income$1,743,0003,417
2005-09-30 (YTD Data)Rank
Total interest income$7,663,0003,051
Total interest expense$2,413,0003,012
Net interest income$5,250,0003,025
Provision for loan and lease losses$352,0001,927
Total noninterest income$453,0004,803
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$128,0005,401
Trading account gains and fees$0126
Additional Noninterest Income$325,0003,661
Total noninterest expense$3,090,0003,754
Salaries and employee benefits$1,644,0003,835
Premises and equipment expense$380,0004,126
Additional noninterest expense$1,066,0003,339
Pre-tax net operating income$2,261,0002,782
Securities gains (losses)$02,317
Applicable income taxes$816,0002,174
Income before extraordinary items$1,445,0003,220
Extraordinary gains, net$035
Net income$1,445,0003,221
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0002,209
Cash dividends$325,0003,400
Sale, conversion, retirement of capital stock, net$2,500,000276
Net operating income$1,445,0003,185
2005-06-30 (YTD Data)Rank
Total interest income$5,023,0003,020
Total interest expense$1,543,0002,982
Net interest income$3,480,0003,015
Provision for loan and lease losses$262,0001,714
Total noninterest income$314,0004,667
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$81,0005,458
Trading account gains and fees$0116
Additional Noninterest Income$233,0003,489
Total noninterest expense$2,044,0003,749
Salaries and employee benefits$1,081,0003,857
Premises and equipment expense$252,0004,125
Additional noninterest expense$711,0003,331
Pre-tax net operating income$1,488,0002,772
Securities gains (losses)$02,146
Applicable income taxes$562,0002,099
Income before extraordinary items$926,0003,279
Extraordinary gains, net$030
Net income$926,0003,280
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0001,821
Cash dividends$325,0002,815
Sale, conversion, retirement of capital stock, net$0643
Net operating income$926,0003,235
2005-03-31 (YTD Data)Rank
Total interest income$2,417,0003,080
Total interest expense$746,0002,971
Net interest income$1,671,0003,097
Provision for loan and lease losses$172,0001,275
Total noninterest income$196,0004,019
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$41,0005,405
Trading account gains and fees$0115
Additional Noninterest Income$155,0002,913
Total noninterest expense$986,0003,882
Salaries and employee benefits$522,0003,965
Premises and equipment expense$126,0004,172
Additional noninterest expense$338,0003,459
Pre-tax net operating income$709,0002,827
Securities gains (losses)$01,685
Applicable income taxes$267,0002,165
Income before extraordinary items$442,0003,363
Extraordinary gains, net$024
Net income$442,0003,364
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0001,071
Cash dividends$160,0002,464
Sale, conversion, retirement of capital stock, net$0491
Net operating income$442,0003,329
2004-12-31 (YTD Data)Rank
Total interest income$8,714,0003,184
Total interest expense$2,741,0002,814
Net interest income$5,973,0003,305
Provision for loan and lease losses$370,0002,512
Total noninterest income$967,0003,636
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$215,0005,073
Trading account gains and fees$0138
Additional Noninterest Income$752,0002,597
Total noninterest expense$3,712,0003,976
Salaries and employee benefits$1,981,0004,029
Premises and equipment expense$469,0004,285
Additional noninterest expense$1,262,0003,603
Pre-tax net operating income$2,858,0002,696
Securities gains (losses)$-29,0008,478
Applicable income taxes$1,010,0002,135
Income before extraordinary items$1,819,0003,159
Extraordinary gains, net$034
Net income$1,819,0003,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$763,000940
Cash dividends$560,0003,348
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,837,5603,076
2004-09-30 (YTD Data)Rank
Total interest income$6,369,0003,237
Total interest expense$2,012,0002,825
Net interest income$4,357,0003,357
Provision for loan and lease losses$285,0002,349
Total noninterest income$754,0003,553
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$170,0005,004
Trading account gains and fees$0134
Additional Noninterest Income$584,0002,542
Total noninterest expense$2,705,0004,051
Salaries and employee benefits$1,487,0003,976
Premises and equipment expense$329,0004,482
Additional noninterest expense$889,0003,758
Pre-tax net operating income$2,121,0002,737
Securities gains (losses)$-30,0008,730
Applicable income taxes$785,0002,126
Income before extraordinary items$1,306,0003,341
Extraordinary gains, net$026
Net income$1,306,0003,342
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$790,000681
Cash dividends$485,0002,760
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,325,2003,216
2004-06-30 (YTD Data)Rank
Total interest income$4,168,0003,281
Total interest expense$1,333,0002,827
Net interest income$2,835,0003,421
Provision for loan and lease losses$185,0002,331
Total noninterest income$528,0003,443
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$123,0004,818
Trading account gains and fees$0130
Additional Noninterest Income$405,0002,488
Total noninterest expense$1,828,0004,035
Salaries and employee benefits$996,0003,990
Premises and equipment expense$225,0004,416
Additional noninterest expense$607,0003,713
Pre-tax net operating income$1,350,0002,813
Securities gains (losses)$03,413
Applicable income taxes$509,0002,170
Income before extraordinary items$841,0003,401
Extraordinary gains, net$021
Net income$841,0003,401
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$744,000537
Cash dividends$385,0002,532
Sale, conversion, retirement of capital stock, net$0638
Net operating income$841,0003,298
2004-03-31 (YTD Data)Rank
Total interest income$2,093,0003,264
Total interest expense$671,0002,851
Net interest income$1,422,0003,396
Provision for loan and lease losses$90,0002,254
Total noninterest income$270,0003,339
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$69,0004,450
Trading account gains and fees$0121
Additional Noninterest Income$201,0002,472
Total noninterest expense$891,0004,121
Salaries and employee benefits$499,0004,011
Premises and equipment expense$111,0004,485
Additional noninterest expense$281,0003,938
Pre-tax net operating income$711,0002,672
Securities gains (losses)$02,934
Applicable income taxes$252,0002,191
Income before extraordinary items$459,0003,145
Extraordinary gains, net$016
Net income$459,0003,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$717,000336
Cash dividends$200,0002,144
Sale, conversion, retirement of capital stock, net$0464
Net operating income$459,0003,027
2003-12-31 (YTD Data)Rank
Total interest income$8,419,0003,289
Total interest expense$3,187,0002,712
Net interest income$5,232,0003,567
Provision for loan and lease losses$600,0001,837
Total noninterest income$1,235,0003,240
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$227,0004,982
Trading account gains and fees$0160
Additional Noninterest Income$1,008,0002,372
Total noninterest expense$3,420,0004,194
Salaries and employee benefits$1,833,0004,201
Premises and equipment expense$380,0004,919
Additional noninterest expense$1,207,0003,707
Pre-tax net operating income$2,447,0002,935
Securities gains (losses)$04,500
Applicable income taxes$834,0002,465
Income before extraordinary items$1,613,0003,374
Extraordinary gains, net$054
Net income$1,613,0003,375
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$187,0002,991
Cash dividends$220,0004,808
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,613,0003,220
2003-09-30 (YTD Data)Rank
Total interest income$6,160,0003,410
Total interest expense$2,446,0002,733
Net interest income$3,714,0003,729
Provision for loan and lease losses$540,0001,554
Total noninterest income$984,0003,174
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$173,0004,973
Trading account gains and fees$0153
Additional Noninterest Income$811,0002,350
Total noninterest expense$2,542,0004,215
Salaries and employee benefits$1,378,0004,194
Premises and equipment expense$306,0004,647
Additional noninterest expense$858,0003,866
Pre-tax net operating income$1,616,0003,359
Securities gains (losses)$04,204
Applicable income taxes$618,0002,617
Income before extraordinary items$998,0003,985
Extraordinary gains, net$040
Net income$998,0003,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0002,955
Cash dividends$120,0004,559
Sale, conversion, retirement of capital stock, net$0722
Net operating income$998,0003,824
2003-06-30 (YTD Data)Rank
Total interest income$4,164,0003,396
Total interest expense$1,684,0002,735
Net interest income$2,480,0003,724
Provision for loan and lease losses$420,0001,332
Total noninterest income$638,0003,202
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$113,0004,977
Trading account gains and fees$0150
Additional Noninterest Income$525,0002,383
Total noninterest expense$1,675,0004,255
Salaries and employee benefits$902,0004,251
Premises and equipment expense$195,0004,779
Additional noninterest expense$578,0003,818
Pre-tax net operating income$1,023,0003,474
Securities gains (losses)$03,782
Applicable income taxes$356,0002,929
Income before extraordinary items$667,0004,001
Extraordinary gains, net$030
Net income$667,0004,001
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0002,920
Cash dividends$70,0004,547
Sale, conversion, retirement of capital stock, net$0589
Net operating income$667,0003,824
2003-03-31 (YTD Data)Rank
Total interest income$2,074,0003,421
Total interest expense$868,0002,726
Net interest income$1,206,0003,805
Provision for loan and lease losses$210,0001,306
Total noninterest income$280,0003,404
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$55,0004,963
Trading account gains and fees$0134
Additional Noninterest Income$225,0002,514
Total noninterest expense$826,0004,264
Salaries and employee benefits$440,0004,317
Premises and equipment expense$102,0004,629
Additional noninterest expense$284,0003,816
Pre-tax net operating income$450,0003,750
Securities gains (losses)$02,891
Applicable income taxes$171,0002,972
Income before extraordinary items$279,0004,434
Extraordinary gains, net$021
Net income$279,0004,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0002,880
Cash dividends$35,0003,583
Sale, conversion, retirement of capital stock, net$0419
Net operating income$279,0004,237
2002-12-31 (YTD Data)Rank
Total interest income$8,287,0003,554
Total interest expense$3,520,0003,077
Net interest income$4,767,0003,806
Provision for loan and lease losses$758,0001,717
Total noninterest income$909,0003,684
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$221,0004,992
Trading account gains and fees$0153
Additional Noninterest Income$688,0002,736
Total noninterest expense$2,942,0004,529
Salaries and employee benefits$1,559,0004,549
Premises and equipment expense$394,0004,704
Additional noninterest expense$989,0004,217
Pre-tax net operating income$1,976,0003,462
Securities gains (losses)$04,537
Applicable income taxes$782,0002,635
Income before extraordinary items$1,194,0004,104
Extraordinary gains, net$070
Net income$1,194,0004,105
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$385,0001,999
Cash dividends$140,0005,273
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,194,0003,992
2001-12-31 (YTD Data)Rank
Total interest income$8,623,0003,771
Total interest expense$4,574,0003,405
Net interest income$4,049,0004,087
Provision for loan and lease losses$360,0002,816
Total noninterest income$767,0003,973
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$204,0005,117
Trading account gains and fees$0177
Additional Noninterest Income$563,0002,934
Total noninterest expense$2,487,0004,967
Salaries and employee benefits$1,319,0004,976
Premises and equipment expense$274,0005,820
Additional noninterest expense$894,0004,432
Pre-tax net operating income$1,969,0003,200
Securities gains (losses)$04,612
Applicable income taxes$770,0002,501
Income before extraordinary items$1,199,0003,814
Extraordinary gains, net$0105
Net income$1,199,0003,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$169,0003,171
Cash dividends$225,0004,827
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,199,0003,687
2000-12-31 (YTD Data)Rank
Total interest income$8,444,0003,958
Total interest expense$4,266,0003,781
Net interest income$4,178,0004,028
Provision for loan and lease losses$572,0001,688
Total noninterest income$687,0004,050
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$236,0004,674
Trading account gains and feesNANA
Additional Noninterest Income$451,0003,111
Total noninterest expense$2,014,0005,663
Salaries and employee benefits$1,075,0005,639
Premises and equipment expense$233,0006,275
Additional noninterest expense$706,0005,145
Pre-tax net operating income$2,279,0003,005
Securities gains (losses)$01,956
Applicable income taxes$889,0002,337
Income before extraordinary items$1,390,0003,454
Extraordinary gains, net$038
Net income$1,390,0003,452
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$345,0001,653
Cash dividends$1,005,0002,246
Sale, conversion, retirement of capital stock, net$477,000546
Net operating income$1,390,0003,438
1999-12-31 (YTD Data)Rank
Total interest income$7,300,0004,248
Total interest expense$3,581,0003,960
Net interest income$3,719,0004,442
Provision for loan and lease losses$240,0003,119
Total noninterest income$667,0004,125
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$185,0005,332
Trading account gains and feesNANA
Additional Noninterest Income$482,0003,022
Total noninterest expense$1,876,0005,918
Salaries and employee benefits$986,0005,953
Premises and equipment expense$276,0005,735
Additional noninterest expense$614,0005,741
Pre-tax net operating income$2,270,0003,019
Securities gains (losses)$03,155
Applicable income taxes$841,0002,533
Income before extraordinary items$1,429,0003,369
Extraordinary gains, net$035
Net income$1,429,0003,369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$250,0002,074
Cash dividends$399,0003,992
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,429,0003,333
1998-12-31 (YTD Data)Rank
Total interest income$6,687,0004,561
Total interest expense$3,116,0004,578
Net interest income$3,571,0004,512
Provision for loan and lease losses$95,0005,236
Total noninterest income$1,040,0002,988
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$167,0005,651
Trading account gains and feesNANA
Additional Noninterest Income$873,0002,040
Total noninterest expense$1,918,0005,755
Salaries and employee benefits$995,0005,816
Premises and equipment expense$282,0005,564
Additional noninterest expense$641,0005,502
Pre-tax net operating income$2,598,0002,682
Securities gains (losses)$-3,0009,968
Applicable income taxes$958,0002,381
Income before extraordinary items$1,637,0003,033
Extraordinary gains, net$032
Net income$1,637,0003,034
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$79,0004,076
Cash dividends$408,0003,932
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,638,9202,942
1997-12-31 (YTD Data)Rank
Total interest income$5,421,0005,469
Total interest expense$2,212,0005,862
Net interest income$3,209,0005,046
Provision for loan and lease losses$59,0006,382
Total noninterest income$959,0003,135
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0006,289
Trading account gains and feesNANA
Additional Noninterest Income$816,0002,006
Total noninterest expense$1,716,0006,249
Salaries and employee benefits$864,0006,466
Premises and equipment expense$261,0005,909
Additional noninterest expense$591,0005,864
Pre-tax net operating income$2,393,0003,022
Securities gains (losses)$1,0003,559
Applicable income taxes$827,0002,853
Income before extraordinary items$1,567,0003,232
Extraordinary gains, net$044
Net income$1,567,0003,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-27,00010,327
Cash dividends$310,0004,472
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,566,3503,166
1996-12-31 (YTD Data)Rank
Total interest income$4,549,0006,347
Total interest expense$1,963,0006,480
Net interest income$2,586,0006,058
Provision for loan and lease losses$54,0006,461
Total noninterest income$743,0003,905
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$161,0006,268
Trading account gains and feesNANA
Additional Noninterest Income$582,0002,622
Total noninterest expense$1,366,0007,475
Salaries and employee benefits$730,0007,355
Premises and equipment expense$152,0008,015
Additional noninterest expense$484,0007,189
Pre-tax net operating income$1,909,0003,527
Securities gains (losses)$04,148
Applicable income taxes$697,0003,188
Income before extraordinary items$1,212,0003,845
Extraordinary gains, net$053
Net income$1,212,0003,845
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-29,00010,828
Cash dividends$320,0004,362
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,212,0003,788
1995-12-31 (YTD Data)Rank
Total interest income$3,829,0007,178
Total interest expense$1,555,0007,544
Net interest income$2,274,0006,742
Provision for loan and lease losses$68,0005,482
Total noninterest income$593,0004,610
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$169,0006,277
Trading account gains and feesNANA
Additional Noninterest Income$424,0003,195
Total noninterest expense$1,317,0007,818
Salaries and employee benefits$685,0007,815
Premises and equipment expense$136,0008,625
Additional noninterest expense$496,0007,281
Pre-tax net operating income$1,482,0004,498
Securities gains (losses)$-1,0009,017
Applicable income taxes$551,0003,897
Income before extraordinary items$930,0004,864
Extraordinary gains, net$065
Net income$930,0004,863
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-59,00011,537
Cash dividends$200,0005,441
Sale, conversion, retirement of capital stock, net$150,000517
Net operating income$930,6404,854
1994-12-31 (YTD Data)Rank
Total interest income$2,891,0008,247
Total interest expense$993,0008,726
Net interest income$1,898,0007,812
Provision for loan and lease losses$331,0002,103
Total noninterest income$671,0004,256
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$170,0006,445
Trading account gains and feesNANA
Additional Noninterest Income$501,0002,946
Total noninterest expense$1,168,0008,734
Salaries and employee benefits$603,0008,590
Premises and equipment expense$148,0008,603
Additional noninterest expense$417,0008,655
Pre-tax net operating income$1,070,0005,680
Securities gains (losses)$-28,00010,602
Applicable income taxes$383,0004,914
Income before extraordinary items$659,0006,151
Extraordinary gains, net$0249
Net income$659,0006,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$154,0002,925
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$676,9206,123
1993-12-31 (YTD Data)Rank
Total interest income$2,482,0009,214
Total interest expense$979,0009,209
Net interest income$1,503,0009,095
Provision for loan and lease losses$170,0004,340
Total noninterest income$774,0004,094
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$133,0007,508
Trading account gains and feesNANA
Additional Noninterest Income$641,0002,767
Total noninterest expense$1,166,0009,030
Salaries and employee benefits$575,0009,014
Premises and equipment expense$152,0008,840
Additional noninterest expense$439,0008,831
Pre-tax net operating income$941,0006,160
Securities gains (losses)$07,477
Applicable income taxes$355,0005,435
Income before extraordinary items$586,0006,897
Extraordinary gains, net$03,149
Net income$586,0007,064
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$150,0003,669
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$9,0001,141
Net operating income$586,0006,642
1992-12-31 (YTD Data)Rank
Total interest income$2,324,00010,245
Total interest expense$1,123,0009,895
Net interest income$1,201,00010,322
Provision for loan and lease losses$122,0006,674
Total noninterest income$425,0006,307
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$138,0007,445
Trading account gains and feesNANA
Additional Noninterest Income$287,0004,547
Total noninterest expense$1,051,0009,741
Salaries and employee benefits$468,00010,112
Premises and equipment expense$152,0009,049
Additional noninterest expense$431,0009,194
Pre-tax net operating income$453,0008,778
Securities gains (losses)$08,369
Applicable income taxes$167,0008,227
Income before extraordinary items$286,0009,478
Extraordinary gains, net$01,422
Net income$286,0009,614
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0006,521
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$286,0009,096

* 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.