Home > Chambers Bank of North Arkansas > Income and Expense

Chambers Bank of North Arkansas, Income and Expense

2008-09-30 (YTD Data)Rank
Total interest income$14,948,0001,958
Total interest expense$7,595,0001,658
Net interest income$7,353,0002,277
Provision for loan and lease losses$3,600,000806
Total noninterest income$459,0004,524
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$312,0003,405
Trading account gains and fees$0148
Additional Noninterest Income$147,0004,986
Total noninterest expense$5,564,0002,544
Salaries and employee benefits$2,910,0002,609
Premises and equipment expense$1,030,0001,984
Additional noninterest expense$1,624,0002,583
Pre-tax net operating income$-1,352,0007,685
Securities gains (losses)$03,106
Applicable income taxes$-538,0007,899
Income before extraordinary items$-814,0007,414
Extraordinary gains, net$031
Net income$-814,0007,412
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,257,000611
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-814,0007,530
2008-06-30 (YTD Data)Rank
Total interest income$10,295,0001,923
Total interest expense$5,251,0001,675
Net interest income$5,044,0002,205
Provision for loan and lease losses$300,0002,524
Total noninterest income$355,0004,253
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$237,0003,125
Trading account gains and fees$0149
Additional Noninterest Income$118,0004,762
Total noninterest expense$3,671,0002,572
Salaries and employee benefits$1,924,0002,663
Premises and equipment expense$706,0001,918
Additional noninterest expense$1,041,0002,656
Pre-tax net operating income$1,428,0002,304
Securities gains (losses)$03,233
Applicable income taxes$496,0001,616
Income before extraordinary items$932,0002,729
Extraordinary gains, net$021
Net income$932,0002,728
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$190,0002,288
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$932,0002,674
2008-03-31 (YTD Data)Rank
Total interest income$5,194,0001,955
Total interest expense$2,705,0001,740
Net interest income$2,489,0002,225
Provision for loan and lease losses$150,0002,123
Total noninterest income$160,0004,475
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$106,0003,330
Trading account gains and fees$0158
Additional Noninterest Income$54,0004,896
Total noninterest expense$1,842,0002,553
Salaries and employee benefits$970,0002,652
Premises and equipment expense$339,0002,007
Additional noninterest expense$533,0002,576
Pre-tax net operating income$657,0002,535
Securities gains (losses)$02,688
Applicable income taxes$225,0001,816
Income before extraordinary items$432,0003,014
Extraordinary gains, net$015
Net income$432,0003,016
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0001,513
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$432,0002,928
2007-12-31 (YTD Data)Rank
Total interest income$25,615,0001,692
Total interest expense$12,295,0001,626
Net interest income$13,320,0001,696
Provision for loan and lease losses$1,775,000928
Total noninterest income$859,0003,857
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$544,0002,870
Trading account gains and fees$0178
Additional Noninterest Income$315,0004,146
Total noninterest expense$7,857,0002,326
Salaries and employee benefits$4,307,0002,340
Premises and equipment expense$1,419,0001,850
Additional noninterest expense$2,131,0002,514
Pre-tax net operating income$4,547,0001,787
Securities gains (losses)$02,146
Applicable income taxes$1,731,0001,270
Income before extraordinary items$2,816,0002,136
Extraordinary gains, net$039
Net income$2,816,0002,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,191,000897
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$2,816,0002,122
2007-09-30 (YTD Data)Rank
Total interest income$19,868,0001,628
Total interest expense$9,438,0001,595
Net interest income$10,430,0001,630
Provision for loan and lease losses$575,0001,391
Total noninterest income$664,0003,799
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$422,0002,790
Trading account gains and fees$0184
Additional Noninterest Income$242,0004,148
Total noninterest expense$6,064,0002,245
Salaries and employee benefits$3,355,0002,247
Premises and equipment expense$1,066,0001,831
Additional noninterest expense$1,643,0002,415
Pre-tax net operating income$4,455,0001,522
Securities gains (losses)$01,655
Applicable income taxes$1,672,0001,121
Income before extraordinary items$2,783,0001,813
Extraordinary gains, net$033
Net income$2,783,0001,812
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$164,0002,207
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$2,783,0001,799
2007-06-30 (YTD Data)Rank
Total interest income$13,358,0001,633
Total interest expense$6,344,0001,594
Net interest income$7,014,0001,642
Provision for loan and lease losses$175,0002,387
Total noninterest income$318,0004,540
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$274,0002,845
Trading account gains and fees$0168
Additional Noninterest Income$44,0006,471
Total noninterest expense$4,068,0002,241
Salaries and employee benefits$2,289,0002,230
Premises and equipment expense$711,0001,845
Additional noninterest expense$1,068,0002,478
Pre-tax net operating income$3,089,0001,501
Securities gains (losses)$01,444
Applicable income taxes$1,167,0001,132
Income before extraordinary items$1,922,0001,798
Extraordinary gains, net$029
Net income$1,922,0001,798
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$318,000992
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,922,0001,785
2007-03-31 (YTD Data)Rank
Total interest income$6,642,0001,637
Total interest expense$3,149,0001,581
Net interest income$3,493,0001,645
Provision for loan and lease losses$05,779
Total noninterest income$227,0003,753
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$128,0002,938
Trading account gains and fees$0195
Additional Noninterest Income$99,0003,787
Total noninterest expense$2,012,0002,278
Salaries and employee benefits$1,162,0002,216
Premises and equipment expense$351,0001,879
Additional noninterest expense$499,0002,625
Pre-tax net operating income$1,708,0001,374
Securities gains (losses)$01,187
Applicable income taxes$646,0001,043
Income before extraordinary items$1,062,0001,619
Extraordinary gains, net$022
Net income$1,062,0001,619
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$218,000694
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,062,0001,608
2006-12-31 (YTD Data)Rank
Total interest income$25,376,0001,591
Total interest expense$10,953,0001,545
Net interest income$14,423,0001,593
Provision for loan and lease losses$335,0002,587
Total noninterest income$1,154,0003,205
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$664,0002,481
Trading account gains and fees$0130
Additional Noninterest Income$490,0003,374
Total noninterest expense$7,868,0002,244
Salaries and employee benefits$4,190,0002,344
Premises and equipment expense$1,378,0001,826
Additional noninterest expense$2,300,0002,262
Pre-tax net operating income$7,374,0001,341
Securities gains (losses)$01,687
Applicable income taxes$2,786,0001,004
Income before extraordinary items$4,588,0001,577
Extraordinary gains, net$051
Net income$4,588,0001,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0003,250
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$4,588,0001,564
2006-09-30 (YTD Data)Rank
Total interest income$18,699,0001,594
Total interest expense$7,781,0001,581
Net interest income$10,918,0001,590
Provision for loan and lease losses$345,0001,926
Total noninterest income$844,0003,281
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$514,0002,424
Trading account gains and fees$0126
Additional Noninterest Income$330,0003,566
Total noninterest expense$5,778,0002,290
Salaries and employee benefits$3,076,0002,391
Premises and equipment expense$1,030,0001,834
Additional noninterest expense$1,672,0002,312
Pre-tax net operating income$5,639,0001,356
Securities gains (losses)$01,388
Applicable income taxes$2,117,0001,048
Income before extraordinary items$3,522,0001,573
Extraordinary gains, net$045
Net income$3,522,0001,574
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$115,0002,145
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,522,0001,554
2006-06-30 (YTD Data)Rank
Total interest income$11,901,0001,634
Total interest expense$4,655,0001,670
Net interest income$7,246,0001,600
Provision for loan and lease losses$180,0002,262
Total noninterest income$561,0003,256
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$344,0002,386
Trading account gains and fees$0126
Additional Noninterest Income$217,0003,589
Total noninterest expense$3,824,0002,313
Salaries and employee benefits$1,985,0002,457
Premises and equipment expense$687,0001,836
Additional noninterest expense$1,152,0002,256
Pre-tax net operating income$3,803,0001,335
Securities gains (losses)$01,185
Applicable income taxes$1,455,0001,026
Income before extraordinary items$2,348,0001,571
Extraordinary gains, net$039
Net income$2,348,0001,572
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0001,628
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,348,0001,557
2006-03-31 (YTD Data)Rank
Total interest income$5,689,0001,675
Total interest expense$2,080,0001,759
Net interest income$3,609,0001,585
Provision for loan and lease losses$90,0002,132
Total noninterest income$301,0003,084
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$182,0002,208
Trading account gains and fees$0115
Additional Noninterest Income$119,0003,396
Total noninterest expense$1,827,0002,425
Salaries and employee benefits$971,0002,509
Premises and equipment expense$323,0001,959
Additional noninterest expense$533,0002,409
Pre-tax net operating income$1,993,0001,233
Securities gains (losses)$0955
Applicable income taxes$740,0001,001
Income before extraordinary items$1,253,0001,454
Extraordinary gains, net$021
Net income$1,253,0001,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,253,0001,431
2005-12-31 (YTD Data)Rank
Total interest income$16,955,0001,975
Total interest expense$5,180,0002,130
Net interest income$11,775,0001,872
Provision for loan and lease losses$250,0003,152
Total noninterest income$1,686,0002,491
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$820,0002,070
Trading account gains and fees$0138
Additional Noninterest Income$866,0002,423
Total noninterest expense$5,977,0002,760
Salaries and employee benefits$3,117,0002,879
Premises and equipment expense$1,018,0002,328
Additional noninterest expense$1,842,0002,705
Pre-tax net operating income$7,234,0001,328
Securities gains (losses)$02,296
Applicable income taxes$2,730,0001,045
Income before extraordinary items$4,504,0001,561
Extraordinary gains, net$046
Net income$4,504,0001,561
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0003,900
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,504,0001,535
2005-09-30 (YTD Data)Rank
Total interest income$11,888,0002,054
Total interest expense$3,536,0002,193
Net interest income$8,352,0001,980
Provision for loan and lease losses$06,899
Total noninterest income$937,0003,044
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$617,0002,053
Trading account gains and fees$0126
Additional Noninterest Income$320,0003,688
Total noninterest expense$4,219,0002,881
Salaries and employee benefits$2,235,0002,952
Premises and equipment expense$771,0002,296
Additional noninterest expense$1,213,0003,014
Pre-tax net operating income$5,070,0001,412
Securities gains (losses)$02,317
Applicable income taxes$1,898,0001,124
Income before extraordinary items$3,172,0001,661
Extraordinary gains, net$035
Net income$3,172,0001,663
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0002,817
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$3,172,0001,625
2005-06-30 (YTD Data)Rank
Total interest income$7,616,0002,068
Total interest expense$2,180,0002,242
Net interest income$5,436,0002,000
Provision for loan and lease losses$06,626
Total noninterest income$623,0003,008
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$430,0001,953
Trading account gains and fees$0116
Additional Noninterest Income$193,0003,817
Total noninterest expense$2,812,0002,871
Salaries and employee benefits$1,477,0002,967
Premises and equipment expense$506,0002,306
Additional noninterest expense$829,0002,921
Pre-tax net operating income$3,247,0001,440
Securities gains (losses)$02,146
Applicable income taxes$1,238,0001,127
Income before extraordinary items$2,009,0001,703
Extraordinary gains, net$030
Net income$2,009,0001,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0002,825
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,009,0001,675
2005-03-31 (YTD Data)Rank
Total interest income$3,758,0002,055
Total interest expense$999,0002,336
Net interest income$2,759,0001,950
Provision for loan and lease losses$06,226
Total noninterest income$325,0002,870
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$221,0001,838
Trading account gains and fees$0115
Additional Noninterest Income$104,0003,652
Total noninterest expense$1,385,0002,908
Salaries and employee benefits$755,0002,911
Premises and equipment expense$243,0002,414
Additional noninterest expense$387,0003,106
Pre-tax net operating income$1,699,0001,350
Securities gains (losses)$01,685
Applicable income taxes$653,0001,063
Income before extraordinary items$1,046,0001,594
Extraordinary gains, net$024
Net income$1,046,0001,596
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0007,481
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,046,0001,577
2004-12-31 (YTD Data)Rank
Total interest income$13,238,0002,170
Total interest expense$3,420,0002,354
Net interest income$9,818,0002,071
Provision for loan and lease losses$335,0002,700
Total noninterest income$1,808,0002,361
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$942,0001,859
Trading account gains and fees$0138
Additional Noninterest Income$866,0002,359
Total noninterest expense$5,799,0002,734
Salaries and employee benefits$2,965,0002,869
Premises and equipment expense$929,0002,452
Additional noninterest expense$1,905,0002,528
Pre-tax net operating income$5,492,0001,551
Securities gains (losses)$03,819
Applicable income taxes$2,035,0001,250
Income before extraordinary items$3,457,0001,830
Extraordinary gains, net$034
Net income$3,457,0001,830
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$379,0001,659
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$3,457,0001,793
2004-09-30 (YTD Data)Rank
Total interest income$9,916,0002,148
Total interest expense$2,479,0002,379
Net interest income$7,437,0002,022
Provision for loan and lease losses$585,0001,260
Total noninterest income$1,433,0002,282
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$667,0001,969
Trading account gains and fees$0134
Additional Noninterest Income$766,0002,131
Total noninterest expense$4,393,0002,679
Salaries and employee benefits$2,233,0002,830
Premises and equipment expense$680,0002,484
Additional noninterest expense$1,480,0002,422
Pre-tax net operating income$3,892,0001,654
Securities gains (losses)$03,710
Applicable income taxes$1,440,0001,326
Income before extraordinary items$2,452,0001,935
Extraordinary gains, net$026
Net income$2,452,0001,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$457,0001,039
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,452,0001,884
2004-06-30 (YTD Data)Rank
Total interest income$6,621,0002,116
Total interest expense$1,586,0002,446
Net interest income$5,035,0001,976
Provision for loan and lease losses$390,0001,260
Total noninterest income$643,0003,022
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$430,0002,007
Trading account gains and fees$0130
Additional Noninterest Income$213,0003,623
Total noninterest expense$2,862,0002,740
Salaries and employee benefits$1,507,0002,817
Premises and equipment expense$445,0002,533
Additional noninterest expense$910,0002,597
Pre-tax net operating income$2,426,0001,739
Securities gains (losses)$03,413
Applicable income taxes$874,0001,432
Income before extraordinary items$1,552,0002,020
Extraordinary gains, net$021
Net income$1,552,0002,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$303,0001,032
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,552,0001,965
2004-03-31 (YTD Data)Rank
Total interest income$3,244,0002,157
Total interest expense$814,0002,403
Net interest income$2,430,0002,059
Provision for loan and lease losses$195,0001,177
Total noninterest income$300,0003,111
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$200,0002,085
Trading account gains and fees$0121
Additional Noninterest Income$100,0003,719
Total noninterest expense$1,399,0002,808
Salaries and employee benefits$766,0002,802
Premises and equipment expense$222,0002,543
Additional noninterest expense$411,0002,837
Pre-tax net operating income$1,136,0001,808
Securities gains (losses)$02,934
Applicable income taxes$371,0001,666
Income before extraordinary items$765,0002,020
Extraordinary gains, net$016
Net income$765,0002,020
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$164,000937
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$765,0001,942
2003-12-31 (YTD Data)Rank
Total interest income$12,968,0002,206
Total interest expense$4,166,0002,134
Net interest income$8,802,0002,202
Provision for loan and lease losses$855,0001,377
Total noninterest income$1,460,0002,905
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$838,0002,044
Trading account gains and fees$0160
Additional Noninterest Income$622,0003,183
Total noninterest expense$5,686,0002,731
Salaries and employee benefits$3,053,0002,723
Premises and equipment expense$850,0002,609
Additional noninterest expense$1,783,0002,660
Pre-tax net operating income$3,721,0002,095
Securities gains (losses)$04,500
Applicable income taxes$1,416,0001,702
Income before extraordinary items$2,305,0002,551
Extraordinary gains, net$054
Net income$2,305,0002,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$589,0001,410
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,305,0002,432
2003-09-30 (YTD Data)Rank
Total interest income$9,870,0002,203
Total interest expense$3,257,0002,136
Net interest income$6,613,0002,204
Provision for loan and lease losses$555,0001,515
Total noninterest income$1,129,0002,901
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$625,0002,068
Trading account gains and fees$0153
Additional Noninterest Income$504,0003,122
Total noninterest expense$4,231,0002,752
Salaries and employee benefits$2,314,0002,713
Premises and equipment expense$628,0002,658
Additional noninterest expense$1,289,0002,719
Pre-tax net operating income$2,956,0002,074
Securities gains (losses)$04,204
Applicable income taxes$1,126,0001,683
Income before extraordinary items$1,830,0002,523
Extraordinary gains, net$040
Net income$1,830,0002,521
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$380,0001,446
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,830,0002,389
2003-06-30 (YTD Data)Rank
Total interest income$6,639,0002,193
Total interest expense$2,244,0002,136
Net interest income$4,395,0002,214
Provision for loan and lease losses$325,0001,685
Total noninterest income$713,0002,968
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$408,0002,064
Trading account gains and fees$0150
Additional Noninterest Income$305,0003,261
Total noninterest expense$2,832,0002,738
Salaries and employee benefits$1,562,0002,685
Premises and equipment expense$418,0002,668
Additional noninterest expense$852,0002,728
Pre-tax net operating income$1,951,0002,086
Securities gains (losses)$03,782
Applicable income taxes$735,0001,744
Income before extraordinary items$1,216,0002,546
Extraordinary gains, net$030
Net income$1,216,0002,544
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$103,0002,460
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,216,0002,391
2003-03-31 (YTD Data)Rank
Total interest income$3,345,0002,194
Total interest expense$1,151,0002,126
Net interest income$2,194,0002,225
Provision for loan and lease losses$195,0001,399
Total noninterest income$353,0002,902
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$188,0002,130
Trading account gains and fees$0134
Additional Noninterest Income$165,0003,042
Total noninterest expense$1,412,0002,733
Salaries and employee benefits$774,0002,687
Premises and equipment expense$217,0002,575
Additional noninterest expense$421,0002,728
Pre-tax net operating income$940,0002,155
Securities gains (losses)$02,891
Applicable income taxes$320,0001,962
Income before extraordinary items$620,0002,459
Extraordinary gains, net$021
Net income$620,0002,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0001,835
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$620,0002,324
2002-12-31 (YTD Data)Rank
Total interest income$14,610,0002,100
Total interest expense$5,855,0001,939
Net interest income$8,755,0002,211
Provision for loan and lease losses$1,204,0001,127
Total noninterest income$1,323,0002,868
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$833,0001,932
Trading account gains and fees$0153
Additional Noninterest Income$490,0003,319
Total noninterest expense$5,525,0002,673
Salaries and employee benefits$2,907,0002,707
Premises and equipment expense$895,0002,424
Additional noninterest expense$1,723,0002,636
Pre-tax net operating income$3,349,0002,286
Securities gains (losses)$1,0004,369
Applicable income taxes$1,165,0001,975
Income before extraordinary items$2,185,0002,625
Extraordinary gains, net$070
Net income$2,185,0002,624
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$972,000994
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,184,3502,534
2001-12-31 (YTD Data)Rank
Total interest income$16,691,0002,058
Total interest expense$9,014,0001,806
Net interest income$7,677,0002,335
Provision for loan and lease losses$645,0001,789
Total noninterest income$1,448,0002,584
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$868,0001,752
Trading account gains and fees$0177
Additional Noninterest Income$580,0002,892
Total noninterest expense$5,588,0002,531
Salaries and employee benefits$2,753,0002,712
Premises and equipment expense$970,0002,206
Additional noninterest expense$1,865,0002,397
Pre-tax net operating income$2,892,0002,341
Securities gains (losses)$-117,0009,509
Applicable income taxes$1,070,0001,974
Income before extraordinary items$1,705,0002,925
Extraordinary gains, net$0105
Net income$1,705,0002,927
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$124,0003,704
Cash dividends$60,0006,054
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,779,8802,736
2000-12-31 (YTD Data)Rank
Total interest income$14,932,0002,344
Total interest expense$8,878,0001,947
Net interest income$6,054,0002,911
Provision for loan and lease losses$511,0001,833
Total noninterest income$1,195,0002,766
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$753,0001,853
Trading account gains and fees$0180
Additional Noninterest Income$442,0003,151
Total noninterest expense$5,038,0002,697
Salaries and employee benefits$2,552,0002,784
Premises and equipment expense$679,0002,945
Additional noninterest expense$1,807,0002,371
Pre-tax net operating income$1,700,0003,712
Securities gains (losses)$-75,0009,336
Applicable income taxes$499,0003,491
Income before extraordinary items$1,126,0004,035
Extraordinary gains, net$038
Net income$1,126,0004,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$198,0002,412
Cash dividends$65,0006,264
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,177,7503,898
1999-12-31 (YTD Data)Rank
Total interest income$11,277,0002,866
Total interest expense$5,995,0002,462
Net interest income$5,282,0003,288
Provision for loan and lease losses$499,0001,779
Total noninterest income$1,122,0002,836
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$696,0001,912
Trading account gains and fees$0173
Additional Noninterest Income$426,0003,275
Total noninterest expense$4,705,0002,873
Salaries and employee benefits$2,387,0002,934
Premises and equipment expense$594,0003,288
Additional noninterest expense$1,724,0002,514
Pre-tax net operating income$1,200,0004,771
Securities gains (losses)$1,0002,805
Applicable income taxes$421,0004,027
Income before extraordinary items$780,0005,163
Extraordinary gains, net$035
Net income$780,0005,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$273,0001,953
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$779,3505,133
1998-12-31 (YTD Data)Rank
Total interest income$3,684,0006,768
Total interest expense$1,969,0006,239
Net interest income$1,715,0007,259
Provision for loan and lease losses$295,0002,683
Total noninterest income$345,0006,052
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$225,0004,809
Trading account gains and feesNANA
Additional Noninterest Income$120,0006,209
Total noninterest expense$1,271,0007,349
Salaries and employee benefits$620,0007,642
Premises and equipment expense$145,0007,766
Additional noninterest expense$506,0006,390
Pre-tax net operating income$494,0007,400
Securities gains (losses)$-4,00010,023
Applicable income taxes$140,0006,978
Income before extraordinary items$350,0007,533
Extraordinary gains, net$032
Net income$350,0007,533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$252,0002,095
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$352,8407,433
1997-12-31 (YTD Data)Rank
Total interest income$4,965,0005,833
Total interest expense$2,558,0005,327
Net interest income$2,407,0006,207
Provision for loan and lease losses$96,0005,266
Total noninterest income$384,0005,854
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$278,0004,304
Trading account gains and feesNANA
Additional Noninterest Income$106,0006,624
Total noninterest expense$1,575,0006,596
Salaries and employee benefits$884,0006,376
Premises and equipment expense$203,0006,789
Additional noninterest expense$488,0006,606
Pre-tax net operating income$1,120,0005,463
Securities gains (losses)$03,944
Applicable income taxes$364,0005,178
Income before extraordinary items$756,0005,646
Extraordinary gains, net$044
Net income$756,0005,649
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0004,419
Cash dividends$225,0005,132
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$756,0005,605
1996-12-31 (YTD Data)Rank
Total interest income$4,606,0006,283
Total interest expense$2,358,0005,737
Net interest income$2,248,0006,664
Provision for loan and lease losses$82,0005,565
Total noninterest income$392,0006,006
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$274,0004,504
Trading account gains and feesNANA
Additional Noninterest Income$118,0006,646
Total noninterest expense$1,560,0006,948
Salaries and employee benefits$830,0006,832
Premises and equipment expense$213,0006,804
Additional noninterest expense$517,0006,923
Pre-tax net operating income$998,0005,745
Securities gains (losses)$-11,00010,330
Applicable income taxes$300,0005,830
Income before extraordinary items$687,0005,816
Extraordinary gains, net$053
Net income$687,0005,817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,609
Cash dividends$155,0005,923
Sale, conversion, retirement of capital stock, net$0953
Net operating income$694,7005,726
1995-12-31 (YTD Data)Rank
Total interest income$4,075,0006,902
Total interest expense$2,035,0006,385
Net interest income$2,040,0007,215
Provision for loan and lease losses$97,0004,705
Total noninterest income$343,0006,558
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$241,0005,062
Trading account gains and feesNANA
Additional Noninterest Income$102,0007,172
Total noninterest expense$1,524,0007,192
Salaries and employee benefits$793,0007,139
Premises and equipment expense$203,0007,129
Additional noninterest expense$528,0007,049
Pre-tax net operating income$762,0006,995
Securities gains (losses)$03,831
Applicable income taxes$232,0006,930
Income before extraordinary items$530,0007,030
Extraordinary gains, net$065
Net income$530,0007,029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$49,0005,173
Cash dividends$135,0006,283
Sale, conversion, retirement of capital stock, net$0809
Net operating income$530,0007,010
1994-12-31 (YTD Data)Rank
Total interest income$3,199,0007,761
Total interest expense$1,299,0007,553
Net interest income$1,900,0007,803
Provision for loan and lease losses$89,0004,852
Total noninterest income$339,0006,791
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$228,0005,375
Trading account gains and feesNANA
Additional Noninterest Income$111,0007,194
Total noninterest expense$1,470,0007,694
Salaries and employee benefits$769,0007,387
Premises and equipment expense$171,0008,060
Additional noninterest expense$530,0007,597
Pre-tax net operating income$680,0007,518
Securities gains (losses)$03,600
Applicable income taxes$217,0007,062
Income before extraordinary items$463,0007,592
Extraordinary gains, net$0249
Net income$463,0007,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0007,012
Cash dividends$140,0006,251
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$463,0007,644
1993-12-31 (YTD Data)Rank
Total interest income$2,778,0008,700
Total interest expense$1,081,0008,759
Net interest income$1,697,0008,502
Provision for loan and lease losses$125,0005,103
Total noninterest income$307,0007,571
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$211,0005,764
Trading account gains and feesNANA
Additional Noninterest Income$96,0008,002
Total noninterest expense$1,256,0008,669
Salaries and employee benefits$616,0008,665
Premises and equipment expense$130,0009,470
Additional noninterest expense$510,0008,110
Pre-tax net operating income$623,0007,792
Securities gains (losses)$53,0003,314
Applicable income taxes$213,0007,377
Income before extraordinary items$463,0007,862
Extraordinary gains, net$03,149
Net income$463,0008,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0004,468
Cash dividends$135,0006,315
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$426,9607,898
1992-12-31 (YTD Data)Rank
Total interest income$2,822,0009,283
Total interest expense$1,232,0009,488
Net interest income$1,590,0008,979
Provision for loan and lease losses$169,0005,776
Total noninterest income$253,0008,443
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$194,0006,110
Trading account gains and feesNANA
Additional Noninterest Income$59,0009,852
Total noninterest expense$1,096,0009,531
Salaries and employee benefits$585,0008,950
Premises and equipment expense$126,0009,817
Additional noninterest expense$385,0009,756
Pre-tax net operating income$578,0007,876
Securities gains (losses)$18,0005,726
Applicable income taxes$252,0006,625
Income before extraordinary items$344,0008,783
Extraordinary gains, net$01,422
Net income$344,0008,922
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0004,664
Cash dividends$120,0006,190
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$332,4808,547

* 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.