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Citizens Bank, Income and Expense

2021-12-31 (YTD Data)Rank
Total interest income$15,953,0001,780
Total interest expense$789,0002,539
Net interest income$15,164,0001,711
Provision for loan and lease losses$1,100,000540
Total noninterest income$1,108,0002,856
Gross Fiduciary activities income$57,000757
Service charges on deposit accounts$455,0001,708
Trading account gains and feesNANA
Additional Noninterest Income$596,0003,119
Total noninterest expense$13,023,0001,632
Salaries and employee benefits$7,825,0001,587
Premises and equipment expense$2,052,0001,181
Additional noninterest expense$3,146,0001,905
Pre-tax net operating income$2,149,0003,058
Securities gains (losses)$02,062
Applicable income taxes$446,0002,174
Income before extraordinary items$1,703,0003,219
Extraordinary gains, net$010
Net income$1,703,0003,218
Minority interest net income$074
Net income of bank and minority interests.$1,703,0003,219
Net charge-offs$1,412,000345
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$0582
Net operating income$1,703,0003,194
2021-09-30 (YTD Data)Rank
Total interest income$12,338,0001,765
Total interest expense$621,0002,558
Net interest income$11,717,0001,701
Provision for loan and lease losses$875,000518
Total noninterest income$747,0003,005
Gross Fiduciary activities income$42,000750
Service charges on deposit accounts$326,0001,750
Trading account gains and feesNANA
Additional Noninterest Income$379,0003,307
Total noninterest expense$9,730,0001,633
Salaries and employee benefits$5,907,0001,588
Premises and equipment expense$1,510,0001,219
Additional noninterest expense$2,313,0001,941
Pre-tax net operating income$1,859,0003,013
Securities gains (losses)$02,015
Applicable income taxes$384,0002,153
Income before extraordinary items$1,475,0003,155
Extraordinary gains, net$08
Net income$1,475,0003,154
Minority interest net income$069
Net income of bank and minority interests.$1,475,0003,155
Net charge-offs$1,384,000280
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$0543
Net operating income$1,475,0003,134
2021-06-30 (YTD Data)Rank
Total interest income$8,643,0001,696
Total interest expense$449,0002,523
Net interest income$8,194,0001,618
Provision for loan and lease losses$600,000497
Total noninterest income$321,0003,461
Gross Fiduciary activities income$28,000751
Service charges on deposit accounts$199,0001,806
Trading account gains and feesNANA
Additional Noninterest Income$94,0004,082
Total noninterest expense$6,364,0001,649
Salaries and employee benefits$3,872,0001,600
Premises and equipment expense$987,0001,230
Additional noninterest expense$1,505,0001,959
Pre-tax net operating income$1,551,0002,731
Securities gains (losses)$01,818
Applicable income taxes$322,0001,973
Income before extraordinary items$1,229,0002,903
Extraordinary gains, net$06
Net income$1,229,0002,902
Minority interest net income$067
Net income of bank and minority interests.$1,229,0002,903
Net charge-offs$1,383,000227
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$0517
Net operating income$1,229,0002,879
2021-03-31 (YTD Data)Rank
Total interest income$4,691,0001,584
Total interest expense$238,0002,508
Net interest income$4,453,0001,505
Provision for loan and lease losses$300,000548
Total noninterest income$49,0004,362
Gross Fiduciary activities income$11,000782
Service charges on deposit accounts$94,0001,874
Trading account gains and feesNANA
Additional Noninterest Income$-56,0004,958
Total noninterest expense$3,150,0001,658
Salaries and employee benefits$1,923,0001,602
Premises and equipment expense$488,0001,250
Additional noninterest expense$739,0001,954
Pre-tax net operating income$1,052,0002,305
Securities gains (losses)$01,392
Applicable income taxes$219,0001,751
Income before extraordinary items$833,0002,456
Extraordinary gains, net$03
Net income$833,0002,454
Minority interest net income$055
Net income of bank and minority interests.$833,0002,456
Net charge-offs$1,386,000162
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$0482
Net operating income$833,0002,422
2020-12-31 (YTD Data)Rank
Total interest income$18,371,0001,602
Total interest expense$1,734,0002,158
Net interest income$16,637,0001,507
Provision for loan and lease losses$2,220,000974
Total noninterest income$1,031,0002,832
Gross Fiduciary activities income$62,000760
Service charges on deposit accounts$440,0001,759
Trading account gains and feesNANA
Additional Noninterest Income$529,0003,094
Total noninterest expense$12,439,0001,657
Salaries and employee benefits$7,550,0001,591
Premises and equipment expense$1,887,0001,241
Additional noninterest expense$3,002,0001,910
Pre-tax net operating income$3,009,0002,419
Securities gains (losses)$02,675
Applicable income taxes$633,0001,777
Income before extraordinary items$2,376,0002,610
Extraordinary gains, net$04
Net income$2,376,0002,609
Minority interest net income$072
Net income of bank and minority interests.$2,376,0002,610
Net charge-offs$-2,0003,992
Cash dividends$76,0003,652
Sale, conversion, retirement of capital stock, net$0566
Net operating income$2,376,0002,566
2020-09-30 (YTD Data)Rank
Total interest income$14,087,0001,578
Total interest expense$1,432,0002,101
Net interest income$12,655,0001,485
Provision for loan and lease losses$1,920,000910
Total noninterest income$688,0002,943
Gross Fiduciary activities income$48,000747
Service charges on deposit accounts$328,0001,762
Trading account gains and feesNANA
Additional Noninterest Income$312,0003,309
Total noninterest expense$9,299,0001,640
Salaries and employee benefits$5,644,0001,578
Premises and equipment expense$1,438,0001,221
Additional noninterest expense$2,217,0001,919
Pre-tax net operating income$2,124,0002,496
Securities gains (losses)$02,494
Applicable income taxes$450,0001,806
Income before extraordinary items$1,674,0002,680
Extraordinary gains, net$04
Net income$1,674,0002,679
Minority interest net income$065
Net income of bank and minority interests.$1,674,0002,680
Net charge-offs$10,0002,745
Cash dividends$76,0003,225
Sale, conversion, retirement of capital stock, net$0532
Net operating income$1,674,0002,635
2020-06-30 (YTD Data)Rank
Total interest income$10,070,0001,509
Total interest expense$1,059,0002,074
Net interest income$9,011,0001,401
Provision for loan and lease losses$1,520,000851
Total noninterest income$241,0003,638
Gross Fiduciary activities income$32,000750
Service charges on deposit accounts$227,0001,742
Trading account gains and feesNANA
Additional Noninterest Income$-18,0005,026
Total noninterest expense$6,276,0001,616
Salaries and employee benefits$3,821,0001,546
Premises and equipment expense$969,0001,216
Additional noninterest expense$1,486,0001,896
Pre-tax net operating income$1,456,0002,425
Securities gains (losses)$02,249
Applicable income taxes$310,0001,721
Income before extraordinary items$1,146,0002,622
Extraordinary gains, net$04
Net income$1,146,0002,621
Minority interest net income$065
Net income of bank and minority interests.$1,146,0002,622
Net charge-offs$2,0002,854
Cash dividends$76,0003,046
Sale, conversion, retirement of capital stock, net$0504
Net operating income$1,146,0002,579
2020-03-31 (YTD Data)Rank
Total interest income$4,591,0001,621
Total interest expense$563,0002,133
Net interest income$4,028,0001,494
Provision for loan and lease losses$240,0001,334
Total noninterest income$161,0003,287
Gross Fiduciary activities income$16,000761
Service charges on deposit accounts$139,0001,722
Trading account gains and feesNANA
Additional Noninterest Income$6,0004,817
Total noninterest expense$3,148,0001,625
Salaries and employee benefits$1,892,0001,576
Premises and equipment expense$499,0001,193
Additional noninterest expense$757,0001,904
Pre-tax net operating income$801,0002,161
Securities gains (losses)$01,705
Applicable income taxes$175,0001,501
Income before extraordinary items$626,0002,337
Extraordinary gains, net$04
Net income$626,0002,336
Minority interest net income$056
Net income of bank and minority interests.$626,0002,337
Net charge-offs$02,581
Cash dividends$76,0002,395
Sale, conversion, retirement of capital stock, net$0482
Net operating income$626,0002,303
2019-12-31 (YTD Data)Rank
Total interest income$19,148,0001,572
Total interest expense$2,226,0002,191
Net interest income$16,922,0001,429
Provision for loan and lease losses$780,0001,098
Total noninterest income$680,0003,297
Gross Fiduciary activities income$65,000771
Service charges on deposit accounts$536,0001,822
Trading account gains and feesNANA
Additional Noninterest Income$79,0004,531
Total noninterest expense$12,031,0001,641
Salaries and employee benefits$7,499,0001,545
Premises and equipment expense$1,875,0001,227
Additional noninterest expense$2,657,0002,119
Pre-tax net operating income$4,791,0001,818
Securities gains (losses)$02,379
Applicable income taxes$1,001,0001,432
Income before extraordinary items$3,790,0001,962
Extraordinary gains, net$011
Net income$3,790,0001,963
Minority interest net income$076
Net income of bank and minority interests.$3,790,0001,964
Net charge-offs$274,0001,425
Cash dividends$278,0003,388
Sale, conversion, retirement of capital stock, net$0626
Net operating income$3,790,0001,929
2019-09-30 (YTD Data)Rank
Total interest income$14,291,0001,597
Total interest expense$1,653,0002,214
Net interest income$12,638,0001,448
Provision for loan and lease losses$540,0001,091
Total noninterest income$786,0002,779
Gross Fiduciary activities income$45,000774
Service charges on deposit accounts$397,0001,844
Trading account gains and feesNANA
Additional Noninterest Income$344,0003,131
Total noninterest expense$9,169,0001,631
Salaries and employee benefits$5,632,0001,543
Premises and equipment expense$1,447,0001,215
Additional noninterest expense$2,090,0002,051
Pre-tax net operating income$3,715,0001,812
Securities gains (losses)$02,167
Applicable income taxes$774,0001,449
Income before extraordinary items$2,941,0001,964
Extraordinary gains, net$011
Net income$2,941,0001,964
Minority interest net income$072
Net income of bank and minority interests.$2,941,0001,965
Net charge-offs$276,0001,086
Cash dividends$202,0003,101
Sale, conversion, retirement of capital stock, net$0590
Net operating income$2,941,0001,934
2019-06-30 (YTD Data)Rank
Total interest income$9,315,0001,632
Total interest expense$1,095,0002,205
Net interest income$8,220,0001,480
Provision for loan and lease losses$330,0001,143
Total noninterest income$501,0002,806
Gross Fiduciary activities income$30,000775
Service charges on deposit accounts$261,0001,844
Trading account gains and feesNANA
Additional Noninterest Income$210,0003,220
Total noninterest expense$6,134,0001,624
Salaries and employee benefits$3,753,0001,542
Premises and equipment expense$966,0001,222
Additional noninterest expense$1,415,0002,044
Pre-tax net operating income$2,257,0001,933
Securities gains (losses)$01,702
Applicable income taxes$470,0001,497
Income before extraordinary items$1,787,0002,083
Extraordinary gains, net$011
Net income$1,787,0002,081
Minority interest net income$069
Net income of bank and minority interests.$1,787,0002,083
Net charge-offs$58,0001,732
Cash dividends$126,0003,081
Sale, conversion, retirement of capital stock, net$0573
Net operating income$1,787,0002,058
2019-03-31 (YTD Data)Rank
Total interest income$4,437,0001,692
Total interest expense$545,0002,191
Net interest income$3,892,0001,576
Provision for loan and lease losses$150,0001,133
Total noninterest income$252,0002,740
Gross Fiduciary activities income$15,000781
Service charges on deposit accounts$130,0001,839
Trading account gains and feesNANA
Additional Noninterest Income$107,0003,137
Total noninterest expense$3,092,0001,615
Salaries and employee benefits$1,893,0001,538
Premises and equipment expense$463,0001,286
Additional noninterest expense$736,0001,952
Pre-tax net operating income$902,0002,190
Securities gains (losses)$01,087
Applicable income taxes$188,0001,641
Income before extraordinary items$714,0002,339
Extraordinary gains, net$05
Net income$714,0002,338
Minority interest net income$052
Net income of bank and minority interests.$714,0002,338
Net charge-offs$58,0001,135
Cash dividends$63,0002,569
Sale, conversion, retirement of capital stock, net$0529
Net operating income$714,0002,326
2018-12-31 (YTD Data)Rank
Total interest income$16,909,0001,678
Total interest expense$1,650,0002,206
Net interest income$15,259,0001,571
Provision for loan and lease losses$510,0001,430
Total noninterest income$1,493,0002,344
Gross Fiduciary activities income$66,000799
Service charges on deposit accounts$622,0001,693
Trading account gains and feesNANA
Additional Noninterest Income$805,0002,491
Total noninterest expense$12,270,0001,581
Salaries and employee benefits$7,218,0001,561
Premises and equipment expense$1,821,0001,276
Additional noninterest expense$3,231,0001,793
Pre-tax net operating income$3,972,0002,118
Securities gains (losses)$01,125
Applicable income taxes$827,0001,558
Income before extraordinary items$3,145,0002,252
Extraordinary gains, net$06
Net income$3,145,0002,250
Minority interest net income$072
Net income of bank and minority interests.$3,145,0002,251
Net charge-offs$284,0001,371
Cash dividends$215,0003,551
Sale, conversion, retirement of capital stock, net$0671
Net operating income$3,145,0002,251
2018-09-30 (YTD Data)Rank
Total interest income$11,474,0001,826
Total interest expense$1,002,0002,437
Net interest income$10,472,0001,713
Provision for loan and lease losses$270,0001,667
Total noninterest income$1,052,0002,432
Gross Fiduciary activities income$54,000790
Service charges on deposit accounts$412,0001,866
Trading account gains and feesNANA
Additional Noninterest Income$586,0002,545
Total noninterest expense$8,083,0001,781
Salaries and employee benefits$4,985,0001,681
Premises and equipment expense$1,239,0001,382
Additional noninterest expense$1,859,0002,232
Pre-tax net operating income$3,171,0002,047
Securities gains (losses)$01,118
Applicable income taxes$663,0001,541
Income before extraordinary items$2,508,0002,167
Extraordinary gains, net$05
Net income$2,508,0002,165
Minority interest net income$066
Net income of bank and minority interests.$2,508,0002,166
Net charge-offs$260,0001,078
Cash dividends$152,0003,213
Sale, conversion, retirement of capital stock, net$0633
Net operating income$2,508,0002,168
2018-06-30 (YTD Data)Rank
Total interest income$7,448,0001,846
Total interest expense$572,0002,595
Net interest income$6,876,0001,737
Provision for loan and lease losses$150,0001,766
Total noninterest income$621,0002,599
Gross Fiduciary activities income$34,000795
Service charges on deposit accounts$279,0001,853
Trading account gains and feesNANA
Additional Noninterest Income$308,0002,866
Total noninterest expense$5,236,0001,836
Salaries and employee benefits$3,223,0001,728
Premises and equipment expense$824,0001,401
Additional noninterest expense$1,189,0002,307
Pre-tax net operating income$2,111,0002,019
Securities gains (losses)$0961
Applicable income taxes$441,0001,520
Income before extraordinary items$1,670,0002,147
Extraordinary gains, net$06
Net income$1,670,0002,144
Minority interest net income$065
Net income of bank and minority interests.$1,670,0002,146
Net charge-offs$147,0001,091
Cash dividends$101,0003,163
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,670,0002,138
2018-03-31 (YTD Data)Rank
Total interest income$3,626,0001,872
Total interest expense$271,0002,615
Net interest income$3,355,0001,770
Provision for loan and lease losses$75,0001,680
Total noninterest income$321,0002,529
Gross Fiduciary activities income$19,000795
Service charges on deposit accounts$149,0001,758
Trading account gains and feesNANA
Additional Noninterest Income$153,0002,819
Total noninterest expense$2,526,0001,916
Salaries and employee benefits$1,523,0001,821
Premises and equipment expense$407,0001,432
Additional noninterest expense$596,0002,287
Pre-tax net operating income$1,075,0001,942
Securities gains (losses)$0735
Applicable income taxes$225,0001,465
Income before extraordinary items$850,0002,077
Extraordinary gains, net$07
Net income$850,0002,076
Minority interest net income$052
Net income of bank and minority interests.$850,0002,077
Net charge-offs$155,000664
Cash dividends$51,0002,551
Sale, conversion, retirement of capital stock, net$0580
Net operating income$850,0002,065
2017-12-31 (YTD Data)Rank
Total interest income$13,312,0001,950
Total interest expense$782,0002,958
Net interest income$12,530,0001,846
Provision for loan and lease losses$900,000974
Total noninterest income$1,534,0002,369
Gross Fiduciary activities income$69,000818
Service charges on deposit accounts$637,0001,676
Trading account gains and feesNANA
Additional Noninterest Income$828,0002,531
Total noninterest expense$10,521,0001,831
Salaries and employee benefits$6,436,0001,710
Premises and equipment expense$1,795,0001,296
Additional noninterest expense$2,290,0002,402
Pre-tax net operating income$2,643,0002,672
Securities gains (losses)$-40,0005,276
Applicable income taxes$1,016,0001,858
Income before extraordinary items$1,587,0003,040
Extraordinary gains, net$09
Net income$1,587,0003,038
Minority interest net income$076
Net income of bank and minority interests.$1,587,0003,040
Net charge-offs$2,114,000386
Cash dividends$102,0003,884
Sale, conversion, retirement of capital stock, net$0711
Net operating income$1,612,6002,995
2017-09-30 (YTD Data)Rank
Total interest income$9,897,0001,963
Total interest expense$533,0003,110
Net interest income$9,364,0001,858
Provision for loan and lease losses$675,000944
Total noninterest income$1,123,0002,417
Gross Fiduciary activities income$46,000827
Service charges on deposit accounts$488,0001,660
Trading account gains and feesNANA
Additional Noninterest Income$589,0002,603
Total noninterest expense$7,913,0001,827
Salaries and employee benefits$4,794,0001,723
Premises and equipment expense$1,375,0001,280
Additional noninterest expense$1,744,0002,384
Pre-tax net operating income$1,899,0002,787
Securities gains (losses)$02,274
Applicable income taxes$629,0001,875
Income before extraordinary items$1,270,0003,117
Extraordinary gains, net$09
Net income$1,270,0003,116
Minority interest net income$071
Net income of bank and minority interests.$1,270,0003,117
Net charge-offs$1,365,000398
Cash dividends$51,0003,562
Sale, conversion, retirement of capital stock, net$0677
Net operating income$1,270,0003,093
2017-06-30 (YTD Data)Rank
Total interest income$6,582,0001,950
Total interest expense$332,0003,186
Net interest income$6,250,0001,834
Provision for loan and lease losses$450,000912
Total noninterest income$805,0002,346
Gross Fiduciary activities income$34,000824
Service charges on deposit accounts$336,0001,608
Trading account gains and feesNANA
Additional Noninterest Income$435,0002,494
Total noninterest expense$5,241,0001,835
Salaries and employee benefits$3,150,0001,749
Premises and equipment expense$935,0001,262
Additional noninterest expense$1,156,0002,399
Pre-tax net operating income$1,364,0002,641
Securities gains (losses)$01,906
Applicable income taxes$452,0001,795
Income before extraordinary items$912,0002,960
Extraordinary gains, net$011
Net income$912,0002,960
Minority interest net income$071
Net income of bank and minority interests.$912,0002,960
Net charge-offs$1,358,000287
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$912,0002,943
2017-03-31 (YTD Data)Rank
Total interest income$3,309,0001,939
Total interest expense$167,0003,175
Net interest income$3,142,0001,824
Provision for loan and lease losses$225,000857
Total noninterest income$349,0002,514
Gross Fiduciary activities income$18,000825
Service charges on deposit accounts$172,0001,585
Trading account gains and feesNANA
Additional Noninterest Income$159,0002,863
Total noninterest expense$2,536,0001,904
Salaries and employee benefits$1,512,0001,838
Premises and equipment expense$423,0001,388
Additional noninterest expense$601,0002,317
Pre-tax net operating income$730,0002,458
Securities gains (losses)$01,153
Applicable income taxes$243,0001,683
Income before extraordinary items$487,0002,795
Extraordinary gains, net$08
Net income$487,0002,795
Minority interest net income$055
Net income of bank and minority interests.$487,0002,795
Net charge-offs$1,358,000188
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$487,0002,778
2016-12-31 (YTD Data)Rank
Total interest income$13,270,0001,900
Total interest expense$522,0003,575
Net interest income$12,748,0001,760
Provision for loan and lease losses$1,175,000799
Total noninterest income$1,975,0002,133
Gross Fiduciary activities income$66,000844
Service charges on deposit accounts$796,0001,446
Trading account gains and fees$0170
Additional Noninterest Income$1,113,0002,268
Total noninterest expense$10,340,0001,848
Salaries and employee benefits$6,290,0001,710
Premises and equipment expense$1,608,0001,419
Additional noninterest expense$2,442,0002,355
Pre-tax net operating income$3,208,0002,286
Securities gains (losses)$03,212
Applicable income taxes$1,067,0001,573
Income before extraordinary items$2,141,0002,676
Extraordinary gains, net$05
Net income$2,141,0002,674
Minority interest net income$082
Net income of bank and minority interests.$2,141,0002,675
Net charge-offs$103,0002,588
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$0759
Net operating income$2,141,0002,623
2016-09-30 (YTD Data)Rank
Total interest income$9,852,0001,920
Total interest expense$383,0003,635
Net interest income$9,469,0001,782
Provision for loan and lease losses$950,000711
Total noninterest income$1,655,0001,999
Gross Fiduciary activities income$49,000844
Service charges on deposit accounts$592,0001,453
Trading account gains and fees$0169
Additional Noninterest Income$1,014,0002,027
Total noninterest expense$7,790,0001,836
Salaries and employee benefits$4,695,0001,721
Premises and equipment expense$1,266,0001,363
Additional noninterest expense$1,829,0002,362
Pre-tax net operating income$2,384,0002,333
Securities gains (losses)$03,160
Applicable income taxes$793,0001,628
Income before extraordinary items$1,591,0002,722
Extraordinary gains, net$05
Net income$1,591,0002,722
Minority interest net income$071
Net income of bank and minority interests.$1,591,0002,722
Net charge-offs$81,0002,236
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$0719
Net operating income$1,591,0002,671
2016-06-30 (YTD Data)Rank
Total interest income$6,489,0001,947
Total interest expense$251,0003,677
Net interest income$6,238,0001,804
Provision for loan and lease losses$725,000634
Total noninterest income$1,309,0001,786
Gross Fiduciary activities income$34,000851
Service charges on deposit accounts$396,0001,440
Trading account gains and fees$0157
Additional Noninterest Income$879,0001,700
Total noninterest expense$5,143,0001,866
Salaries and employee benefits$3,109,0001,727
Premises and equipment expense$836,0001,376
Additional noninterest expense$1,198,0002,403
Pre-tax net operating income$1,679,0002,208
Securities gains (losses)$02,835
Applicable income taxes$559,0001,559
Income before extraordinary items$1,120,0002,608
Extraordinary gains, net$016
Net income$1,120,0002,607
Minority interest net income$071
Net income of bank and minority interests.$1,120,0002,607
Net charge-offs$15,0002,919
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,120,0002,536
2016-03-31 (YTD Data)Rank
Total interest income$3,255,0001,944
Total interest expense$129,0003,655
Net interest income$3,126,0001,796
Provision for loan and lease losses$225,000871
Total noninterest income$551,0001,938
Gross Fiduciary activities income$18,000848
Service charges on deposit accounts$198,0001,433
Trading account gains and fees$0142
Additional Noninterest Income$335,0001,963
Total noninterest expense$2,557,0001,870
Salaries and employee benefits$1,552,0001,736
Premises and equipment expense$403,0001,427
Additional noninterest expense$602,0002,378
Pre-tax net operating income$895,0002,089
Securities gains (losses)$02,077
Applicable income taxes$298,0001,490
Income before extraordinary items$597,0002,456
Extraordinary gains, net$012
Net income$597,0002,456
Minority interest net income$062
Net income of bank and minority interests.$597,0002,456
Net charge-offs$6,0002,526
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$597,0002,403
2015-12-31 (YTD Data)Rank
Total interest income$13,829,0001,790
Total interest expense$520,0003,650
Net interest income$13,309,0001,648
Provision for loan and lease losses$300,0001,890
Total noninterest income$1,368,0002,602
Gross Fiduciary activities income$72,000859
Service charges on deposit accounts$806,0001,468
Trading account gains and fees$0159
Additional Noninterest Income$490,0003,314
Total noninterest expense$10,510,0001,800
Salaries and employee benefits$6,347,0001,667
Premises and equipment expense$1,616,0001,429
Additional noninterest expense$2,547,0002,305
Pre-tax net operating income$3,867,0001,921
Securities gains (losses)$03,216
Applicable income taxes$1,292,0001,354
Income before extraordinary items$2,575,0002,288
Extraordinary gains, net$023
Net income$2,575,0002,288
Minority interest net income$081
Net income of bank and minority interests.$2,575,0002,289
Net charge-offs$880,000764
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$0804
Net operating income$2,575,0002,250
2015-09-30 (YTD Data)Rank
Total interest income$10,547,0001,777
Total interest expense$394,0003,686
Net interest income$10,153,0001,633
Provision for loan and lease losses$225,0001,803
Total noninterest income$1,006,0002,656
Gross Fiduciary activities income$57,000855
Service charges on deposit accounts$597,0001,501
Trading account gains and fees$0153
Additional Noninterest Income$352,0003,383
Total noninterest expense$7,923,0001,803
Salaries and employee benefits$4,725,0001,679
Premises and equipment expense$1,220,0001,423
Additional noninterest expense$1,978,0002,222
Pre-tax net operating income$3,011,0001,894
Securities gains (losses)$03,031
Applicable income taxes$1,006,0001,365
Income before extraordinary items$2,005,0002,258
Extraordinary gains, net$021
Net income$2,005,0002,259
Minority interest net income$078
Net income of bank and minority interests.$2,005,0002,259
Net charge-offs$889,000556
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,005,0002,220
2015-06-30 (YTD Data)Rank
Total interest income$6,633,0001,873
Total interest expense$264,0003,702
Net interest income$6,369,0001,732
Provision for loan and lease losses$150,0001,756
Total noninterest income$732,0002,548
Gross Fiduciary activities income$39,000868
Service charges on deposit accounts$392,0001,496
Trading account gains and fees$0157
Additional Noninterest Income$301,0003,059
Total noninterest expense$5,187,0001,838
Salaries and employee benefits$3,121,0001,704
Premises and equipment expense$778,0001,502
Additional noninterest expense$1,288,0002,286
Pre-tax net operating income$1,764,0002,081
Securities gains (losses)$02,636
Applicable income taxes$588,0001,484
Income before extraordinary items$1,176,0002,472
Extraordinary gains, net$022
Net income$1,176,0002,474
Minority interest net income$075
Net income of bank and minority interests.$1,176,0002,474
Net charge-offs$-99,0005,924
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$1,176,0002,415
2015-03-31 (YTD Data)Rank
Total interest income$3,325,0001,874
Total interest expense$133,0003,719
Net interest income$3,192,0001,721
Provision for loan and lease losses$75,0001,675
Total noninterest income$341,0002,616
Gross Fiduciary activities income$18,000878
Service charges on deposit accounts$182,0001,564
Trading account gains and fees$0152
Additional Noninterest Income$141,0003,122
Total noninterest expense$2,533,0001,877
Salaries and employee benefits$1,519,0001,753
Premises and equipment expense$381,0001,558
Additional noninterest expense$633,0002,299
Pre-tax net operating income$925,0001,987
Securities gains (losses)$02,027
Applicable income taxes$310,0001,410
Income before extraordinary items$615,0002,352
Extraordinary gains, net$013
Net income$615,0002,353
Minority interest net income$064
Net income of bank and minority interests.$615,0002,353
Net charge-offs$-32,0005,834
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$615,0002,286
2014-12-31 (YTD Data)Rank
Total interest income$12,535,0001,970
Total interest expense$534,0003,869
Net interest income$12,001,0001,829
Provision for loan and lease losses$300,0001,975
Total noninterest income$2,477,0001,811
Gross Fiduciary activities income$83,000877
Service charges on deposit accounts$859,0001,485
Trading account gains and fees$0180
Additional Noninterest Income$1,535,0001,751
Total noninterest expense$10,375,0001,828
Salaries and employee benefits$6,190,0001,679
Premises and equipment expense$1,490,0001,580
Additional noninterest expense$2,695,0002,241
Pre-tax net operating income$3,803,0001,912
Securities gains (losses)$03,259
Applicable income taxes$1,273,0001,314
Income before extraordinary items$2,530,0002,285
Extraordinary gains, net$017
Net income$2,530,0002,285
Minority interest net income$084
Net income of bank and minority interests.$2,530,0002,285
Net charge-offs$-218,0006,265
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,530,0002,239
2014-09-30 (YTD Data)Rank
Total interest income$9,277,0002,005
Total interest expense$398,0003,957
Net interest income$8,879,0001,857
Provision for loan and lease losses$225,0001,923
Total noninterest income$2,065,0001,676
Gross Fiduciary activities income$68,000866
Service charges on deposit accounts$643,0001,496
Trading account gains and fees$0174
Additional Noninterest Income$1,354,0001,570
Total noninterest expense$7,748,0001,831
Salaries and employee benefits$4,611,0001,688
Premises and equipment expense$1,124,0001,584
Additional noninterest expense$2,013,0002,232
Pre-tax net operating income$2,971,0001,872
Securities gains (losses)$02,980
Applicable income taxes$998,0001,314
Income before extraordinary items$1,973,0002,244
Extraordinary gains, net$015
Net income$1,973,0002,244
Minority interest net income$081
Net income of bank and minority interests.$1,973,0002,243
Net charge-offs$-222,0006,361
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$1,973,0002,189
2014-06-30 (YTD Data)Rank
Total interest income$6,187,0001,994
Total interest expense$268,0003,984
Net interest income$5,919,0001,848
Provision for loan and lease losses$150,0001,864
Total noninterest income$1,257,0001,771
Gross Fiduciary activities income$45,000871
Service charges on deposit accounts$422,0001,496
Trading account gains and fees$0172
Additional Noninterest Income$790,0001,712
Total noninterest expense$5,142,0001,837
Salaries and employee benefits$3,049,0001,687
Premises and equipment expense$752,0001,577
Additional noninterest expense$1,341,0002,217
Pre-tax net operating income$1,884,0001,911
Securities gains (losses)$02,580
Applicable income taxes$633,0001,333
Income before extraordinary items$1,251,0002,267
Extraordinary gains, net$020
Net income$1,251,0002,270
Minority interest net income$080
Net income of bank and minority interests.$1,251,0002,270
Net charge-offs$-44,0006,118
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,251,0002,223
2014-03-31 (YTD Data)Rank
Total interest income$3,199,0001,939
Total interest expense$137,0003,990
Net interest income$3,062,0001,778
Provision for loan and lease losses$75,0001,807
Total noninterest income$554,0001,899
Gross Fiduciary activities income$21,000890
Service charges on deposit accounts$210,0001,489
Trading account gains and fees$0147
Additional Noninterest Income$323,0001,907
Total noninterest expense$2,491,0001,904
Salaries and employee benefits$1,469,0001,765
Premises and equipment expense$386,0001,566
Additional noninterest expense$636,0002,349
Pre-tax net operating income$1,050,0001,704
Securities gains (losses)$01,715
Applicable income taxes$353,0001,187
Income before extraordinary items$697,0002,012
Extraordinary gains, net$016
Net income$697,0002,015
Minority interest net income$066
Net income of bank and minority interests.$697,0002,015
Net charge-offs$25,0002,339
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$697,0001,972
2013-12-31 (YTD Data)Rank
Total interest income$11,292,0002,161
Total interest expense$628,0003,991
Net interest income$10,664,0001,984
Provision for loan and lease losses$312,0002,394
Total noninterest income$1,761,0002,332
Gross Fiduciary activities income$87,000881
Service charges on deposit accounts$888,0001,505
Trading account gains and fees$0184
Additional Noninterest Income$786,0002,697
Total noninterest expense$10,039,0001,895
Salaries and employee benefits$5,984,0001,716
Premises and equipment expense$1,439,0001,638
Additional noninterest expense$2,616,0002,360
Pre-tax net operating income$2,074,0002,786
Securities gains (losses)$03,182
Applicable income taxes$703,0001,808
Income before extraordinary items$1,371,0003,327
Extraordinary gains, net$029
Net income$1,371,0003,329
Minority interest net income$090
Net income of bank and minority interests.$1,371,0003,330
Net charge-offs$95,0003,789
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$1,371,0003,268
2013-09-30 (YTD Data)Rank
Total interest income$8,353,0002,207
Total interest expense$486,0004,012
Net interest income$7,867,0002,013
Provision for loan and lease losses$237,0002,351
Total noninterest income$1,339,0002,364
Gross Fiduciary activities income$65,000881
Service charges on deposit accounts$646,0001,552
Trading account gains and fees$0180
Additional Noninterest Income$628,0002,667
Total noninterest expense$7,575,0001,880
Salaries and employee benefits$4,482,0001,717
Premises and equipment expense$1,101,0001,614
Additional noninterest expense$1,992,0002,316
Pre-tax net operating income$1,394,0003,051
Securities gains (losses)$03,040
Applicable income taxes$473,0001,965
Income before extraordinary items$921,0003,578
Extraordinary gains, net$025
Net income$921,0003,580
Minority interest net income$084
Net income of bank and minority interests.$921,0003,582
Net charge-offs$-80,0006,549
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$921,0003,495
2013-06-30 (YTD Data)Rank
Total interest income$5,472,0002,238
Total interest expense$339,0003,966
Net interest income$5,133,0002,044
Provision for loan and lease losses$156,0002,396
Total noninterest income$948,0002,295
Gross Fiduciary activities income$43,000893
Service charges on deposit accounts$412,0001,592
Trading account gains and fees$0157
Additional Noninterest Income$493,0002,491
Total noninterest expense$4,990,0001,909
Salaries and employee benefits$2,981,0001,736
Premises and equipment expense$737,0001,617
Additional noninterest expense$1,272,0002,402
Pre-tax net operating income$935,0003,017
Securities gains (losses)$02,791
Applicable income taxes$317,0001,957
Income before extraordinary items$618,0003,560
Extraordinary gains, net$022
Net income$618,0003,562
Minority interest net income$082
Net income of bank and minority interests.$618,0003,563
Net charge-offs$-79,0006,640
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$618,0003,456
2013-03-31 (YTD Data)Rank
Total interest income$2,708,0002,285
Total interest expense$184,0003,870
Net interest income$2,524,0002,085
Provision for loan and lease losses$77,0002,346
Total noninterest income$452,0002,377
Gross Fiduciary activities income$22,000898
Service charges on deposit accounts$201,0001,613
Trading account gains and fees$0148
Additional Noninterest Income$229,0002,578
Total noninterest expense$2,547,0001,886
Salaries and employee benefits$1,498,0001,743
Premises and equipment expense$368,0001,636
Additional noninterest expense$681,0002,285
Pre-tax net operating income$352,0003,505
Securities gains (losses)$01,966
Applicable income taxes$119,0002,227
Income before extraordinary items$233,0004,008
Extraordinary gains, net$010
Net income$233,0004,011
Minority interest net income$076
Net income of bank and minority interests.$233,0004,011
Net charge-offs$-91,0006,823
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$233,0003,922
2012-12-31 (YTD Data)Rank
Total interest income$11,437,0002,271
Total interest expense$853,0003,973
Net interest income$10,584,0002,047
Provision for loan and lease losses$05,905
Total noninterest income$2,651,0001,792
Gross Fiduciary activities income$86,000905
Service charges on deposit accounts$845,0001,621
Trading account gains and fees$0166
Additional Noninterest Income$1,720,0001,694
Total noninterest expense$9,925,0001,928
Salaries and employee benefits$5,701,0001,776
Premises and equipment expense$1,720,0001,379
Additional noninterest expense$2,504,0002,562
Pre-tax net operating income$3,310,0001,921
Securities gains (losses)$03,810
Applicable income taxes$1,108,0001,365
Income before extraordinary items$2,202,0002,416
Extraordinary gains, net$029
Net income$2,202,0002,416
Minority interest net income$093
Net income of bank and minority interests.$2,202,0002,417
Net charge-offs$-736,0007,061
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$2,202,0002,290
2012-09-30 (YTD Data)Rank
Total interest income$8,577,0002,322
Total interest expense$672,0003,989
Net interest income$7,905,0002,081
Provision for loan and lease losses$-77,0007,010
Total noninterest income$2,176,0001,682
Gross Fiduciary activities income$62,000902
Service charges on deposit accounts$605,0001,705
Trading account gains and fees$0157
Additional Noninterest Income$1,509,0001,520
Total noninterest expense$7,467,0001,922
Salaries and employee benefits$4,280,0001,759
Premises and equipment expense$1,298,0001,385
Additional noninterest expense$1,889,0002,553
Pre-tax net operating income$2,691,0001,838
Securities gains (losses)$03,575
Applicable income taxes$902,0001,334
Income before extraordinary items$1,789,0002,307
Extraordinary gains, net$020
Net income$1,789,0002,307
Minority interest net income$086
Net income of bank and minority interests.$1,789,0002,307
Net charge-offs$-757,0007,159
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$1,789,0002,182
2012-06-30 (YTD Data)Rank
Total interest income$5,696,0002,339
Total interest expense$481,0003,922
Net interest income$5,215,0002,100
Provision for loan and lease losses$-150,0007,127
Total noninterest income$1,804,0001,410
Gross Fiduciary activities income$41,000915
Service charges on deposit accounts$400,0001,699
Trading account gains and fees$0153
Additional Noninterest Income$1,363,0001,218
Total noninterest expense$4,962,0001,941
Salaries and employee benefits$2,846,0001,758
Premises and equipment expense$870,0001,368
Additional noninterest expense$1,246,0002,590
Pre-tax net operating income$2,207,0001,566
Securities gains (losses)$03,178
Applicable income taxes$742,0001,128
Income before extraordinary items$1,465,0001,934
Extraordinary gains, net$019
Net income$1,465,0001,932
Minority interest net income$084
Net income of bank and minority interests.$1,465,0001,934
Net charge-offs$-756,0007,231
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,465,0001,835
2012-03-31 (YTD Data)Rank
Total interest income$2,777,0002,420
Total interest expense$255,0003,889
Net interest income$2,522,0002,178
Provision for loan and lease losses$75,0003,178
Total noninterest income$1,501,000978
Gross Fiduciary activities income$21,000913
Service charges on deposit accounts$197,0001,718
Trading account gains and fees$0148
Additional Noninterest Income$1,283,000761
Total noninterest expense$2,456,0001,955
Salaries and employee benefits$1,419,0001,766
Premises and equipment expense$436,0001,367
Additional noninterest expense$601,0002,661
Pre-tax net operating income$1,492,0001,173
Securities gains (losses)$02,210
Applicable income taxes$503,000876
Income before extraordinary items$989,0001,479
Extraordinary gains, net$019
Net income$989,0001,480
Minority interest net income$078
Net income of bank and minority interests.$989,0001,480
Net charge-offs$-65,0007,115
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$989,0001,391
2011-12-31 (YTD Data)Rank
Total interest income$11,877,0002,339
Total interest expense$1,295,0003,799
Net interest income$10,582,0002,060
Provision for loan and lease losses$300,0004,096
Total noninterest income$1,993,0002,012
Gross Fiduciary activities income$89,000856
Service charges on deposit accounts$928,0001,569
Trading account gains and fees$0146
Additional Noninterest Income$976,0002,169
Total noninterest expense$10,952,0001,766
Salaries and employee benefits$5,944,0001,646
Premises and equipment expense$1,906,0001,306
Additional noninterest expense$3,102,0002,146
Pre-tax net operating income$1,323,0003,239
Securities gains (losses)$03,838
Applicable income taxes$438,0002,159
Income before extraordinary items$885,0003,784
Extraordinary gains, net$029
Net income$885,0003,787
Minority interest net income$096
Net income of bank and minority interests.$885,0003,787
Net charge-offs$2,735,0001,278
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$885,0003,660
2011-09-30 (YTD Data)Rank
Total interest income$8,871,0002,376
Total interest expense$1,016,0003,797
Net interest income$7,855,0002,097
Provision for loan and lease losses$225,0003,970
Total noninterest income$1,361,0002,154
Gross Fiduciary activities income$62,000856
Service charges on deposit accounts$706,0001,550
Trading account gains and fees$0145
Additional Noninterest Income$593,0002,442
Total noninterest expense$8,228,0001,763
Salaries and employee benefits$4,501,0001,637
Premises and equipment expense$1,447,0001,307
Additional noninterest expense$2,280,0002,191
Pre-tax net operating income$763,0003,807
Securities gains (losses)$03,555
Applicable income taxes$249,0002,456
Income before extraordinary items$514,0004,264
Extraordinary gains, net$021
Net income$514,0004,266
Minority interest net income$087
Net income of bank and minority interests.$514,0004,266
Net charge-offs$2,743,000998
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$514,0004,132
2011-06-30 (YTD Data)Rank
Total interest income$5,891,0002,414
Total interest expense$716,0003,755
Net interest income$5,175,0002,112
Provision for loan and lease losses$150,0003,873
Total noninterest income$783,0002,351
Gross Fiduciary activities income$41,000870
Service charges on deposit accounts$459,0001,568
Trading account gains and fees$0153
Additional Noninterest Income$283,0002,969
Total noninterest expense$5,460,0001,785
Salaries and employee benefits$3,005,0001,643
Premises and equipment expense$960,0001,327
Additional noninterest expense$1,495,0002,241
Pre-tax net operating income$348,0004,413
Securities gains (losses)$02,914
Applicable income taxes$109,0002,801
Income before extraordinary items$239,0004,770
Extraordinary gains, net$015
Net income$239,0004,767
Minority interest net income$089
Net income of bank and minority interests.$239,0004,769
Net charge-offs$2,693,000754
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$239,0004,679
2011-03-31 (YTD Data)Rank
Total interest income$2,935,0002,434
Total interest expense$380,0003,719
Net interest income$2,555,0002,127
Provision for loan and lease losses$75,0003,668
Total noninterest income$393,0002,372
Gross Fiduciary activities income$21,000871
Service charges on deposit accounts$239,0001,498
Trading account gains and fees$0158
Additional Noninterest Income$133,0003,102
Total noninterest expense$2,744,0001,797
Salaries and employee benefits$1,498,0001,659
Premises and equipment expense$487,0001,330
Additional noninterest expense$759,0002,204
Pre-tax net operating income$129,0004,831
Securities gains (losses)$01,772
Applicable income taxes$39,0003,012
Income before extraordinary items$90,0005,151
Extraordinary gains, net$09
Net income$90,0005,149
Minority interest net income$086
Net income of bank and minority interests.$90,0005,151
Net charge-offs$722,0001,061
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$90,0005,087
2010-12-31 (YTD Data)Rank
Total interest income$13,417,0002,248
Total interest expense$1,877,0003,729
Net interest income$11,540,0001,897
Provision for loan and lease losses$605,0003,827
Total noninterest income$1,635,0002,385
Gross Fiduciary activities income$83,000895
Service charges on deposit accounts$980,0001,528
Trading account gains and fees$0175
Additional Noninterest Income$572,0002,989
Total noninterest expense$11,172,0001,765
Salaries and employee benefits$6,094,0001,595
Premises and equipment expense$1,987,0001,299
Additional noninterest expense$3,091,0002,238
Pre-tax net operating income$1,398,0002,831
Securities gains (losses)$03,793
Applicable income taxes$455,0001,983
Income before extraordinary items$943,0003,327
Extraordinary gains, net$029
Net income$943,0003,324
Minority interest net income$0111
Net income of bank and minority interests.$943,0003,327
Net charge-offs$1,911,0001,913
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$943,0003,200
2010-09-30 (YTD Data)Rank
Total interest income$10,121,0002,288
Total interest expense$1,440,0003,803
Net interest income$8,681,0001,923
Provision for loan and lease losses$485,0003,589
Total noninterest income$1,254,0002,363
Gross Fiduciary activities income$60,000896
Service charges on deposit accounts$710,0001,626
Trading account gains and fees$0165
Additional Noninterest Income$484,0002,806
Total noninterest expense$8,470,0001,747
Salaries and employee benefits$4,663,0001,580
Premises and equipment expense$1,516,0001,304
Additional noninterest expense$2,291,0002,231
Pre-tax net operating income$980,0003,131
Securities gains (losses)$03,651
Applicable income taxes$318,0002,091
Income before extraordinary items$662,0003,601
Extraordinary gains, net$023
Net income$662,0003,599
Minority interest net income$0110
Net income of bank and minority interests.$662,0003,601
Net charge-offs$1,852,0001,575
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$662,0003,469
2010-06-30 (YTD Data)Rank
Total interest income$6,818,0002,297
Total interest expense$973,0003,875
Net interest income$5,845,0001,908
Provision for loan and lease losses$240,0003,941
Total noninterest income$714,0002,551
Gross Fiduciary activities income$41,000898
Service charges on deposit accounts$448,0001,708
Trading account gains and fees$0152
Additional Noninterest Income$225,0003,304
Total noninterest expense$5,658,0001,749
Salaries and employee benefits$3,125,0001,587
Premises and equipment expense$1,005,0001,322
Additional noninterest expense$1,528,0002,224
Pre-tax net operating income$661,0003,140
Securities gains (losses)$03,184
Applicable income taxes$215,0002,057
Income before extraordinary items$446,0003,608
Extraordinary gains, net$019
Net income$446,0003,605
Minority interest net income$0105
Net income of bank and minority interests.$446,0003,607
Net charge-offs$1,429,0001,409
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$446,0003,487
2010-03-31 (YTD Data)Rank
Total interest income$3,412,0002,351
Total interest expense$493,0003,974
Net interest income$2,919,0001,946
Provision for loan and lease losses$120,0003,696
Total noninterest income$358,0002,556
Gross Fiduciary activities income$20,000911
Service charges on deposit accounts$216,0001,759
Trading account gains and fees$0175
Additional Noninterest Income$122,0003,175
Total noninterest expense$2,874,0001,738
Salaries and employee benefits$1,551,0001,617
Premises and equipment expense$508,0001,339
Additional noninterest expense$815,0002,085
Pre-tax net operating income$283,0003,459
Securities gains (losses)$02,284
Applicable income taxes$91,0002,211
Income before extraordinary items$192,0003,964
Extraordinary gains, net$016
Net income$192,0003,963
Minority interest net income$091
Net income of bank and minority interests.$192,0003,963
Net charge-offs$64,0003,518
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$192,0003,858
2009-12-31 (YTD Data)Rank
Total interest income$15,661,0002,151
Total interest expense$2,379,0004,027
Net interest income$13,282,0001,691
Provision for loan and lease losses$5,120,0001,415
Total noninterest income$2,190,0001,995
Gross Fiduciary activities income$83,000891
Service charges on deposit accounts$1,010,0001,671
Trading account gains and fees$0211
Additional Noninterest Income$1,097,0002,040
Total noninterest expense$11,637,0001,758
Salaries and employee benefits$6,202,0001,607
Premises and equipment expense$2,158,0001,265
Additional noninterest expense$3,277,0002,177
Pre-tax net operating income$-1,285,0006,365
Securities gains (losses)$03,754
Applicable income taxes$-532,0007,060
Income before extraordinary items$-753,0006,234
Extraordinary gains, net$034
Net income$-753,0006,232
Minority interest net income$0115
Net income of bank and minority interests.$-753,0006,232
Net charge-offs$1,297,0002,548
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-753,0006,243
2009-09-30 (YTD Data)Rank
Total interest income$11,983,0002,158
Total interest expense$1,823,0004,093
Net interest income$10,160,0001,659
Provision for loan and lease losses$3,000,0001,475
Total noninterest income$1,803,0001,919
Gross Fiduciary activities income$71,000868
Service charges on deposit accounts$738,0001,717
Trading account gains and fees$0212
Additional Noninterest Income$994,0001,836
Total noninterest expense$8,834,0001,709
Salaries and employee benefits$4,788,0001,572
Premises and equipment expense$1,708,0001,210
Additional noninterest expense$2,338,0002,233
Pre-tax net operating income$129,0005,190
Securities gains (losses)$03,497
Applicable income taxes$-47,0006,812
Income before extraordinary items$176,0004,947
Extraordinary gains, net$027
Net income$176,0004,946
Minority interest net income$0118
Net income of bank and minority interests.$176,0004,947
Net charge-offs$590,0002,825
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$176,0004,899
2009-06-30 (YTD Data)Rank
Total interest income$8,214,0002,140
Total interest expense$1,236,0004,164
Net interest income$6,978,0001,611
Provision for loan and lease losses$2,925,0001,103
Total noninterest income$1,182,0001,934
Gross Fiduciary activities income$47,000875
Service charges on deposit accounts$483,0001,725
Trading account gains and fees$0193
Additional Noninterest Income$652,0001,879
Total noninterest expense$5,986,0001,718
Salaries and employee benefits$3,199,0001,605
Premises and equipment expense$1,176,0001,201
Additional noninterest expense$1,611,0002,189
Pre-tax net operating income$-751,0006,862
Securities gains (losses)$03,136
Applicable income taxes$-341,0007,458
Income before extraordinary items$-410,0006,663
Extraordinary gains, net$021
Net income$-410,0006,664
Minority interest net income$0112
Net income of bank and minority interests.$-410,0006,664
Net charge-offs$607,0002,122
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-410,0006,646
2009-03-31 (YTD Data)Rank
Total interest income$4,275,0002,083
Total interest expense$627,0004,245
Net interest income$3,648,0001,526
Provision for loan and lease losses$350,0002,122
Total noninterest income$373,0002,632
Gross Fiduciary activities income$23,000892
Service charges on deposit accounts$231,0001,751
Trading account gains and fees$0171
Additional Noninterest Income$119,0003,373
Total noninterest expense$2,986,0001,673
Salaries and employee benefits$1,638,0001,587
Premises and equipment expense$572,0001,248
Additional noninterest expense$776,0002,042
Pre-tax net operating income$685,0001,844
Securities gains (losses)$02,434
Applicable income taxes$153,0001,725
Income before extraordinary items$532,0002,009
Extraordinary gains, net$015
Net income$532,0002,010
Minority interest net income$0102
Net income of bank and minority interests.$532,0002,010
Net charge-offs$608,0001,244
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$532,0001,893
2008-12-31 (YTD Data)Rank
Total interest income$16,539,0002,275
Total interest expense$3,345,0003,957
Net interest income$13,194,0001,684
Provision for loan and lease losses$540,0003,686
Total noninterest income$1,862,0002,255
Gross Fiduciary activities income$103,000883
Service charges on deposit accounts$1,023,0001,724
Trading account gains and fees$0154
Additional Noninterest Income$736,0002,573
Total noninterest expense$10,877,0001,791
Salaries and employee benefits$6,068,0001,682
Premises and equipment expense$1,979,0001,394
Additional noninterest expense$2,830,0002,114
Pre-tax net operating income$3,639,0001,497
Securities gains (losses)$03,220
Applicable income taxes$1,105,0001,107
Income before extraordinary items$2,534,0001,596
Extraordinary gains, net$039
Net income$2,534,0001,597
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$232,0003,898
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$2,534,0001,702
2008-09-30 (YTD Data)Rank
Total interest income$12,369,0002,328
Total interest expense$2,666,0003,913
Net interest income$9,703,0001,729
Provision for loan and lease losses$180,0004,348
Total noninterest income$1,228,0002,534
Gross Fiduciary activities income$68,000897
Service charges on deposit accounts$760,0001,757
Trading account gains and fees$0148
Additional Noninterest Income$400,0003,193
Total noninterest expense$8,036,0001,799
Salaries and employee benefits$4,494,0001,725
Premises and equipment expense$1,465,0001,425
Additional noninterest expense$2,077,0002,085
Pre-tax net operating income$2,715,0001,798
Securities gains (losses)$03,106
Applicable income taxes$940,0001,212
Income before extraordinary items$1,775,0001,982
Extraordinary gains, net$031
Net income$1,775,0001,981
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0005,934
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,775,0002,084
2008-06-30 (YTD Data)Rank
Total interest income$8,250,0002,361
Total interest expense$1,828,0003,966
Net interest income$6,422,0001,739
Provision for loan and lease losses$120,0003,966
Total noninterest income$818,0002,578
Gross Fiduciary activities income$43,000922
Service charges on deposit accounts$498,0001,760
Trading account gains and fees$0149
Additional Noninterest Income$277,0003,166
Total noninterest expense$5,250,0001,834
Salaries and employee benefits$2,915,0001,787
Premises and equipment expense$926,0001,502
Additional noninterest expense$1,409,0002,035
Pre-tax net operating income$1,870,0001,784
Securities gains (losses)$03,233
Applicable income taxes$643,0001,316
Income before extraordinary items$1,227,0002,148
Extraordinary gains, net$021
Net income$1,227,0002,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0005,377
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,227,0002,106
2008-03-31 (YTD Data)Rank
Total interest income$4,309,0002,336
Total interest expense$968,0003,987
Net interest income$3,341,0001,663
Provision for loan and lease losses$60,0003,470
Total noninterest income$428,0002,487
Gross Fiduciary activities income$21,000943
Service charges on deposit accounts$251,0001,724
Trading account gains and fees$0158
Additional Noninterest Income$156,0002,971
Total noninterest expense$2,688,0001,782
Salaries and employee benefits$1,489,0001,768
Premises and equipment expense$473,0001,473
Additional noninterest expense$726,0001,940
Pre-tax net operating income$1,021,0001,752
Securities gains (losses)$02,688
Applicable income taxes$359,0001,287
Income before extraordinary items$662,0002,123
Extraordinary gains, net$015
Net income$662,0002,126
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0003,915
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$662,0002,061
2007-12-31 (YTD Data)Rank
Total interest income$18,135,0002,269
Total interest expense$5,046,0003,444
Net interest income$13,089,0001,731
Provision for loan and lease losses$433,0002,564
Total noninterest income$1,868,0002,320
Gross Fiduciary activities income$87,000936
Service charges on deposit accounts$1,118,0001,598
Trading account gains and fees$0178
Additional Noninterest Income$663,0002,840
Total noninterest expense$10,066,0001,839
Salaries and employee benefits$5,792,0001,740
Premises and equipment expense$1,676,0001,592
Additional noninterest expense$2,598,0002,110
Pre-tax net operating income$4,458,0001,812
Securities gains (losses)$02,146
Applicable income taxes$1,554,0001,387
Income before extraordinary items$2,904,0002,100
Extraordinary gains, net$039
Net income$2,904,0002,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0004,456
Cash dividends$1,950,0001,644
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$2,904,0002,088
2007-09-30 (YTD Data)Rank
Total interest income$13,510,0002,297
Total interest expense$3,834,0003,412
Net interest income$9,676,0001,756
Provision for loan and lease losses$180,0003,151
Total noninterest income$1,239,0002,538
Gross Fiduciary activities income$61,000942
Service charges on deposit accounts$850,0001,550
Trading account gains and fees$0184
Additional Noninterest Income$328,0003,575
Total noninterest expense$7,432,0001,842
Salaries and employee benefits$4,317,0001,746
Premises and equipment expense$1,242,0001,601
Additional noninterest expense$1,873,0002,128
Pre-tax net operating income$3,303,0001,940
Securities gains (losses)$01,655
Applicable income taxes$1,149,0001,494
Income before extraordinary items$2,154,0002,234
Extraordinary gains, net$033
Net income$2,154,0002,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0003,750
Cash dividends$1,950,0001,253
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$2,154,0002,222
2007-06-30 (YTD Data)Rank
Total interest income$8,802,0002,366
Total interest expense$2,495,0003,462
Net interest income$6,307,0001,825
Provision for loan and lease losses$120,0002,960
Total noninterest income$815,0002,568
Gross Fiduciary activities income$40,000961
Service charges on deposit accounts$556,0001,580
Trading account gains and fees$0168
Additional Noninterest Income$219,0003,611
Total noninterest expense$4,917,0001,881
Salaries and employee benefits$2,877,0001,781
Premises and equipment expense$804,0001,652
Additional noninterest expense$1,236,0002,161
Pre-tax net operating income$2,085,0002,082
Securities gains (losses)$01,444
Applicable income taxes$722,0001,624
Income before extraordinary items$1,363,0002,381
Extraordinary gains, net$029
Net income$1,363,0002,381
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$38,0003,125
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,363,0002,363
2007-03-31 (YTD Data)Rank
Total interest income$4,373,0002,379
Total interest expense$1,236,0003,462
Net interest income$3,137,0001,831
Provision for loan and lease losses$60,0002,747
Total noninterest income$383,0002,640
Gross Fiduciary activities income$20,000971
Service charges on deposit accounts$272,0001,575
Trading account gains and fees$0195
Additional Noninterest Income$91,0003,941
Total noninterest expense$2,463,0001,874
Salaries and employee benefits$1,438,0001,796
Premises and equipment expense$404,0001,654
Additional noninterest expense$621,0002,116
Pre-tax net operating income$997,0002,171
Securities gains (losses)$01,187
Applicable income taxes$340,0001,710
Income before extraordinary items$657,0002,453
Extraordinary gains, net$022
Net income$657,0002,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0002,389
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$657,0002,430
2006-12-31 (YTD Data)Rank
Total interest income$16,815,0002,325
Total interest expense$4,192,0003,482
Net interest income$12,623,0001,822
Provision for loan and lease losses$246,0003,129
Total noninterest income$1,761,0002,428
Gross Fiduciary activities income$87,000956
Service charges on deposit accounts$1,144,0001,549
Trading account gains and fees$0130
Additional Noninterest Income$530,0003,236
Total noninterest expense$10,272,0001,739
Salaries and employee benefits$5,690,0001,714
Premises and equipment expense$1,950,0001,325
Additional noninterest expense$2,632,0002,016
Pre-tax net operating income$3,866,0002,314
Securities gains (losses)$01,687
Applicable income taxes$1,350,0001,814
Income before extraordinary items$2,516,0002,604
Extraordinary gains, net$051
Net income$2,516,0002,606
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$125,0002,845
Cash dividends$600,0003,434
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$2,516,0002,594
2006-09-30 (YTD Data)Rank
Total interest income$12,334,0002,358
Total interest expense$3,047,0003,470
Net interest income$9,287,0001,881
Provision for loan and lease losses$186,0002,997
Total noninterest income$1,366,0002,384
Gross Fiduciary activities income$62,000962
Service charges on deposit accounts$859,0001,553
Trading account gains and fees$0126
Additional Noninterest Income$445,0003,042
Total noninterest expense$7,717,0001,732
Salaries and employee benefits$4,282,0001,718
Premises and equipment expense$1,485,0001,315
Additional noninterest expense$1,950,0002,007
Pre-tax net operating income$2,750,0002,472
Securities gains (losses)$01,388
Applicable income taxes$963,0001,932
Income before extraordinary items$1,787,0002,805
Extraordinary gains, net$045
Net income$1,787,0002,806
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0005,107
Cash dividends$600,0002,646
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,787,0002,793
2006-06-30 (YTD Data)Rank
Total interest income$8,067,0002,354
Total interest expense$1,939,0003,468
Net interest income$6,128,0001,903
Provision for loan and lease losses$126,0002,915
Total noninterest income$916,0002,370
Gross Fiduciary activities income$39,000983
Service charges on deposit accounts$567,0001,558
Trading account gains and fees$0126
Additional Noninterest Income$310,0002,953
Total noninterest expense$5,107,0001,741
Salaries and employee benefits$2,836,0001,726
Premises and equipment expense$1,007,0001,296
Additional noninterest expense$1,264,0002,077
Pre-tax net operating income$1,811,0002,505
Securities gains (losses)$01,185
Applicable income taxes$636,0001,976
Income before extraordinary items$1,175,0002,842
Extraordinary gains, net$039
Net income$1,175,0002,842
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,463
Cash dividends$600,0002,089
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,175,0002,830
2006-03-31 (YTD Data)Rank
Total interest income$3,849,0002,402
Total interest expense$923,0003,466
Net interest income$2,926,0001,981
Provision for loan and lease losses$63,0002,743
Total noninterest income$466,0002,292
Gross Fiduciary activities income$21,000981
Service charges on deposit accounts$281,0001,521
Trading account gains and fees$0115
Additional Noninterest Income$164,0002,810
Total noninterest expense$2,453,0001,805
Salaries and employee benefits$1,358,0001,817
Premises and equipment expense$488,0001,332
Additional noninterest expense$607,0002,133
Pre-tax net operating income$876,0002,519
Securities gains (losses)$0955
Applicable income taxes$312,0001,970
Income before extraordinary items$564,0002,875
Extraordinary gains, net$021
Net income$564,0002,874
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0007,838
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$564,0002,861
2005-12-31 (YTD Data)Rank
Total interest income$12,247,0002,663
Total interest expense$2,534,0003,788
Net interest income$9,713,0002,282
Provision for loan and lease losses$246,0003,198
Total noninterest income$1,710,0002,470
Gross Fiduciary activities income$88,000965
Service charges on deposit accounts$1,153,0001,519
Trading account gains and fees$0138
Additional Noninterest Income$469,0003,491
Total noninterest expense$9,257,0001,831
Salaries and employee benefits$4,970,0001,876
Premises and equipment expense$1,847,0001,334
Additional noninterest expense$2,440,0002,055
Pre-tax net operating income$1,920,0003,789
Securities gains (losses)$02,296
Applicable income taxes$647,0002,949
Income before extraordinary items$1,273,0004,202
Extraordinary gains, net$046
Net income$1,273,0004,203
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0007,815
Cash dividends$4,200,000777
Sale, conversion, retirement of capital stock, net$0934
Net operating income$1,273,0004,176
2005-09-30 (YTD Data)Rank
Total interest income$8,715,0002,735
Total interest expense$1,730,0003,910
Net interest income$6,985,0002,348
Provision for loan and lease losses$180,0003,127
Total noninterest income$1,293,0002,445
Gross Fiduciary activities income$61,000970
Service charges on deposit accounts$887,0001,465
Trading account gains and fees$0126
Additional Noninterest Income$345,0003,551
Total noninterest expense$6,857,0001,834
Salaries and employee benefits$3,692,0001,867
Premises and equipment expense$1,320,0001,385
Additional noninterest expense$1,845,0002,019
Pre-tax net operating income$1,241,0004,226
Securities gains (losses)$02,317
Applicable income taxes$417,0003,258
Income before extraordinary items$824,0004,673
Extraordinary gains, net$035
Net income$824,0004,674
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,0008,052
Cash dividends$3,300,000671
Sale, conversion, retirement of capital stock, net$0769
Net operating income$824,0004,635
2005-06-30 (YTD Data)Rank
Total interest income$5,535,0002,782
Total interest expense$1,053,0003,988
Net interest income$4,482,0002,407
Provision for loan and lease losses$120,0003,004
Total noninterest income$882,0002,387
Gross Fiduciary activities income$39,000974
Service charges on deposit accounts$578,0001,462
Trading account gains and fees$0116
Additional Noninterest Income$265,0003,287
Total noninterest expense$4,512,0001,838
Salaries and employee benefits$2,453,0001,855
Premises and equipment expense$878,0001,380
Additional noninterest expense$1,181,0002,083
Pre-tax net operating income$732,0004,503
Securities gains (losses)$02,146
Applicable income taxes$245,0003,449
Income before extraordinary items$487,0004,948
Extraordinary gains, net$030
Net income$487,0004,950
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,591
Cash dividends$1,900,000769
Sale, conversion, retirement of capital stock, net$0643
Net operating income$487,0004,899
2005-03-31 (YTD Data)Rank
Total interest income$2,656,0002,847
Total interest expense$487,0004,089
Net interest income$2,169,0002,460
Provision for loan and lease losses$60,0002,830
Total noninterest income$443,0002,332
Gross Fiduciary activities income$20,000983
Service charges on deposit accounts$275,0001,485
Trading account gains and fees$0115
Additional Noninterest Income$148,0003,002
Total noninterest expense$2,234,0001,864
Salaries and employee benefits$1,227,0001,872
Premises and equipment expense$424,0001,433
Additional noninterest expense$583,0002,102
Pre-tax net operating income$318,0004,838
Securities gains (losses)$01,685
Applicable income taxes$103,0003,716
Income before extraordinary items$215,0005,231
Extraordinary gains, net$024
Net income$215,0005,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,610
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$215,0005,199
2004-12-31 (YTD Data)Rank
Total interest income$10,139,0002,795
Total interest expense$1,652,0004,233
Net interest income$8,487,0002,406
Provision for loan and lease losses$200,0003,677
Total noninterest income$1,906,0002,272
Gross Fiduciary activities income$120,000900
Service charges on deposit accounts$1,288,0001,374
Trading account gains and fees$0138
Additional Noninterest Income$498,0003,312
Total noninterest expense$8,310,0001,928
Salaries and employee benefits$4,138,0002,103
Premises and equipment expense$1,741,0001,329
Additional noninterest expense$2,431,0002,016
Pre-tax net operating income$1,883,0003,655
Securities gains (losses)$03,819
Applicable income taxes$648,0002,898
Income before extraordinary items$1,235,0004,135
Extraordinary gains, net$034
Net income$1,235,0004,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0004,623
Cash dividends$925,0002,467
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,235,0004,064
2004-09-30 (YTD Data)Rank
Total interest income$7,258,0002,887
Total interest expense$1,012,0004,754
Net interest income$6,246,0002,422
Provision for loan and lease losses$155,0003,470
Total noninterest income$1,454,0002,252
Gross Fiduciary activities income$60,000979
Service charges on deposit accounts$964,0001,389
Trading account gains and fees$0134
Additional Noninterest Income$430,0003,067
Total noninterest expense$6,062,0001,983
Salaries and employee benefits$3,027,0002,153
Premises and equipment expense$1,296,0001,327
Additional noninterest expense$1,739,0002,078
Pre-tax net operating income$1,483,0003,602
Securities gains (losses)$03,710
Applicable income taxes$515,0002,844
Income before extraordinary items$968,0004,087
Extraordinary gains, net$026
Net income$968,0004,087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0004,743
Cash dividends$775,0002,056
Sale, conversion, retirement of capital stock, net$0738
Net operating income$968,0004,024
2004-06-30 (YTD Data)Rank
Total interest income$4,804,0002,893
Total interest expense$656,0004,848
Net interest income$4,148,0002,406
Provision for loan and lease losses$110,0003,324
Total noninterest income$941,0002,295
Gross Fiduciary activities income$41,000987
Service charges on deposit accounts$634,0001,397
Trading account gains and fees$0130
Additional Noninterest Income$266,0003,198
Total noninterest expense$3,989,0001,999
Salaries and employee benefits$1,980,0002,193
Premises and equipment expense$852,0001,352
Additional noninterest expense$1,157,0002,093
Pre-tax net operating income$990,0003,561
Securities gains (losses)$03,413
Applicable income taxes$344,0002,835
Income before extraordinary items$646,0004,036
Extraordinary gains, net$021
Net income$646,0004,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,680
Cash dividends$775,0001,564
Sale, conversion, retirement of capital stock, net$0638
Net operating income$646,0003,953
2004-03-31 (YTD Data)Rank
Total interest income$2,434,0002,865
Total interest expense$332,0004,864
Net interest income$2,102,0002,374
Provision for loan and lease losses$60,0002,918
Total noninterest income$467,0002,263
Gross Fiduciary activities income$20,000996
Service charges on deposit accounts$305,0001,400
Trading account gains and fees$0121
Additional Noninterest Income$142,0003,033
Total noninterest expense$2,010,0001,992
Salaries and employee benefits$986,0002,226
Premises and equipment expense$431,0001,351
Additional noninterest expense$593,0001,996
Pre-tax net operating income$499,0003,530
Securities gains (losses)$02,934
Applicable income taxes$174,0002,816
Income before extraordinary items$325,0004,054
Extraordinary gains, net$016
Net income$325,0004,053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0003,206
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$325,0003,911
2003-12-31 (YTD Data)Rank
Total interest income$10,521,0002,687
Total interest expense$2,020,0004,000
Net interest income$8,501,0002,284
Provision for loan and lease losses$520,0002,094
Total noninterest income$1,879,0002,422
Gross Fiduciary activities income$83,000996
Service charges on deposit accounts$1,409,0001,233
Trading account gains and fees$0160
Additional Noninterest Income$387,0004,040
Total noninterest expense$8,154,0001,953
Salaries and employee benefits$3,986,0002,129
Premises and equipment expense$1,738,0001,315
Additional noninterest expense$2,430,0001,977
Pre-tax net operating income$1,706,0003,778
Securities gains (losses)$04,500
Applicable income taxes$603,0003,054
Income before extraordinary items$1,103,0004,371
Extraordinary gains, net$054
Net income$1,103,0004,373
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$368,0001,968
Cash dividends$550,0003,349
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,103,0004,191
2003-09-30 (YTD Data)Rank
Total interest income$8,025,0002,684
Total interest expense$1,657,0003,831
Net interest income$6,368,0002,291
Provision for loan and lease losses$425,0001,937
Total noninterest income$1,355,0002,540
Gross Fiduciary activities income$39,0001,062
Service charges on deposit accounts$1,069,0001,228
Trading account gains and fees$0153
Additional Noninterest Income$247,0004,401
Total noninterest expense$6,134,0001,941
Salaries and employee benefits$2,936,0002,177
Premises and equipment expense$1,295,0001,330
Additional noninterest expense$1,903,0001,884
Pre-tax net operating income$1,164,0004,156
Securities gains (losses)$04,204
Applicable income taxes$413,0003,357
Income before extraordinary items$751,0004,766
Extraordinary gains, net$040
Net income$751,0004,767
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0001,745
Cash dividends$200,0004,010
Sale, conversion, retirement of capital stock, net$0722
Net operating income$751,0004,582
2003-06-30 (YTD Data)Rank
Total interest income$5,513,0002,646
Total interest expense$1,228,0003,597
Net interest income$4,285,0002,274
Provision for loan and lease losses$325,0001,685
Total noninterest income$918,0002,498
Gross Fiduciary activities income$27,0001,070
Service charges on deposit accounts$711,0001,214
Trading account gains and fees$0150
Additional Noninterest Income$180,0004,224
Total noninterest expense$4,087,0001,928
Salaries and employee benefits$1,942,0002,182
Premises and equipment expense$848,0001,355
Additional noninterest expense$1,297,0001,858
Pre-tax net operating income$791,0004,096
Securities gains (losses)$03,782
Applicable income taxes$278,0003,369
Income before extraordinary items$513,0004,730
Extraordinary gains, net$030
Net income$513,0004,730
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$157,0001,919
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$513,0004,527
2003-03-31 (YTD Data)Rank
Total interest income$2,806,0002,621
Total interest expense$698,0003,325
Net interest income$2,108,0002,314
Provision for loan and lease losses$200,0001,357
Total noninterest income$437,0002,521
Gross Fiduciary activities income$15,0001,064
Service charges on deposit accounts$354,0001,173
Trading account gains and fees$0134
Additional Noninterest Income$68,0004,672
Total noninterest expense$1,971,0001,988
Salaries and employee benefits$975,0002,167
Premises and equipment expense$412,0001,409
Additional noninterest expense$584,0002,017
Pre-tax net operating income$374,0004,208
Securities gains (losses)$02,891
Applicable income taxes$128,0003,508
Income before extraordinary items$246,0004,760
Extraordinary gains, net$021
Net income$246,0004,760
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$111,0001,402
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$246,0004,561
2002-12-31 (YTD Data)Rank
Total interest income$13,749,0002,231
Total interest expense$3,913,0002,805
Net interest income$9,836,0001,970
Provision for loan and lease losses$1,450,000973
Total noninterest income$2,010,0002,121
Gross Fiduciary activities income$82,0001,031
Service charges on deposit accounts$1,622,000994
Trading account gains and fees$0153
Additional Noninterest Income$306,0004,217
Total noninterest expense$8,605,0001,762
Salaries and employee benefits$4,199,0001,922
Premises and equipment expense$1,708,0001,281
Additional noninterest expense$2,698,0001,740
Pre-tax net operating income$1,791,0003,666
Securities gains (losses)$04,537
Applicable income taxes$622,0003,058
Income before extraordinary items$1,169,0004,152
Extraordinary gains, net$070
Net income$1,169,0004,153
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,202,000817
Cash dividends$1,205,0001,935
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,169,0004,052
2001-12-31 (YTD Data)Rank
Total interest income$17,206,0001,989
Total interest expense$7,087,0002,265
Net interest income$10,119,0001,766
Provision for loan and lease losses$465,0002,340
Total noninterest income$1,605,0002,375
Gross Fiduciary activities income$80,0001,045
Service charges on deposit accounts$1,241,0001,205
Trading account gains and fees$0177
Additional Noninterest Income$284,0004,234
Total noninterest expense$7,919,0001,826
Salaries and employee benefits$4,059,0001,841
Premises and equipment expense$1,501,0001,431
Additional noninterest expense$2,359,0001,910
Pre-tax net operating income$3,340,0002,059
Securities gains (losses)$04,612
Applicable income taxes$1,134,0001,904
Income before extraordinary items$2,206,0002,331
Extraordinary gains, net$0105
Net income$2,206,0002,335
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$401,0001,820
Cash dividends$975,0002,313
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,206,0002,258
2000-12-31 (YTD Data)Rank
Total interest income$18,064,0001,945
Total interest expense$7,672,0002,220
Net interest income$10,392,0001,691
Provision for loan and lease losses$399,0002,288
Total noninterest income$1,861,0001,984
Gross Fiduciary activities income$91,000959
Service charges on deposit accounts$1,200,0001,136
Trading account gains and fees$0180
Additional Noninterest Income$570,0002,712
Total noninterest expense$7,517,0001,852
Salaries and employee benefits$3,854,0001,872
Premises and equipment expense$1,414,0001,473
Additional noninterest expense$2,249,0001,935
Pre-tax net operating income$4,337,0001,692
Securities gains (losses)$01,956
Applicable income taxes$1,518,0001,496
Income before extraordinary items$2,819,0001,846
Extraordinary gains, net$038
Net income$2,819,0001,846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$250,0002,049
Cash dividends$815,0002,629
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,819,0001,847
1999-12-31 (YTD Data)Rank
Total interest income$15,932,0002,036
Total interest expense$6,763,0002,189
Net interest income$9,169,0001,920
Provision for loan and lease losses$391,0002,151
Total noninterest income$1,776,0002,017
Gross Fiduciary activities income$86,0001,017
Service charges on deposit accounts$1,203,0001,111
Trading account gains and fees$0173
Additional Noninterest Income$487,0003,000
Total noninterest expense$7,053,0001,948
Salaries and employee benefits$3,606,0001,949
Premises and equipment expense$1,372,0001,498
Additional noninterest expense$2,075,0002,097
Pre-tax net operating income$3,501,0002,090
Securities gains (losses)$03,155
Applicable income taxes$1,147,0001,994
Income before extraordinary items$2,354,0002,225
Extraordinary gains, net$035
Net income$2,354,0002,226
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$363,0001,569
Cash dividends$196,0005,301
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,354,0002,196
1998-12-31 (YTD Data)Rank
Total interest income$15,414,0002,114
Total interest expense$6,552,0002,307
Net interest income$8,862,0001,937
Provision for loan and lease losses$200,0003,499
Total noninterest income$1,678,0002,083
Gross Fiduciary activities income$88,0001,031
Service charges on deposit accounts$1,177,0001,066
Trading account gains and fees$0224
Additional Noninterest Income$413,0003,360
Total noninterest expense$7,115,0001,828
Salaries and employee benefits$3,401,0001,962
Premises and equipment expense$1,207,0001,631
Additional noninterest expense$2,507,0001,702
Pre-tax net operating income$3,225,0002,218
Securities gains (losses)$04,449
Applicable income taxes$1,050,0002,220
Income before extraordinary items$2,175,0002,370
Extraordinary gains, net$032
Net income$2,175,0002,369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$207,0002,384
Cash dividends$1,905,0001,393
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,175,0002,295
1997-12-31 (YTD Data)Rank
Total interest income$14,703,0002,219
Total interest expense$6,149,0002,444
Net interest income$8,554,0002,035
Provision for loan and lease losses$08,829
Total noninterest income$1,711,0001,994
Gross Fiduciary activities income$95,0001,060
Service charges on deposit accounts$1,165,0001,082
Trading account gains and fees$0239
Additional Noninterest Income$451,0003,036
Total noninterest expense$6,449,0002,001
Salaries and employee benefits$3,205,0002,054
Premises and equipment expense$1,156,0001,693
Additional noninterest expense$2,088,0002,013
Pre-tax net operating income$3,816,0001,967
Securities gains (losses)$69,0001,157
Applicable income taxes$1,300,0001,930
Income before extraordinary items$2,585,0002,045
Extraordinary gains, net$044
Net income$2,585,0002,044
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$240,0002,266
Cash dividends$200,0005,346
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,538,7702,028
1996-12-31 (YTD Data)Rank
Total interest income$14,726,0002,280
Total interest expense$6,405,0002,412
Net interest income$8,321,0002,159
Provision for loan and lease losses$09,041
Total noninterest income$1,849,0001,966
Gross Fiduciary activities income$91,0001,131
Service charges on deposit accounts$1,418,000934
Trading account gains and fees$0262
Additional Noninterest Income$340,0003,773
Total noninterest expense$5,695,0002,415
Salaries and employee benefits$2,814,0002,359
Premises and equipment expense$898,0002,220
Additional noninterest expense$1,983,0002,477
Pre-tax net operating income$4,475,0001,619
Securities gains (losses)$04,148
Applicable income taxes$1,510,0001,593
Income before extraordinary items$2,965,0001,677
Extraordinary gains, net$053
Net income$2,965,0001,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$131,0003,426
Cash dividends$2,400,0001,133
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,965,0001,647
1995-12-31 (YTD Data)Rank
Total interest income$14,340,0002,349
Total interest expense$6,071,0002,523
Net interest income$8,269,0002,178
Provision for loan and lease losses$08,958
Total noninterest income$2,325,0001,625
Gross Fiduciary activities income$82,0001,203
Service charges on deposit accounts$1,340,0001,001
Trading account gains and fees$0522
Additional Noninterest Income$903,0001,940
Total noninterest expense$5,890,0002,313
Salaries and employee benefits$2,807,0002,362
Premises and equipment expense$948,0002,116
Additional noninterest expense$2,135,0002,281
Pre-tax net operating income$4,704,0001,578
Securities gains (losses)$03,831
Applicable income taxes$1,576,0001,580
Income before extraordinary items$3,128,0001,629
Extraordinary gains, net$065
Net income$3,128,0001,628
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00011,120
Cash dividends$1,625,0001,413
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,128,0001,603
1994-12-31 (YTD Data)Rank
Total interest income$12,617,0002,401
Total interest expense$5,055,0002,433
Net interest income$7,562,0002,391
Provision for loan and lease losses$09,146
Total noninterest income$2,093,0001,790
Gross Fiduciary activities income$104,0001,172
Service charges on deposit accounts$1,238,0001,073
Trading account gains and fees$0475
Additional Noninterest Income$751,0002,222
Total noninterest expense$5,963,0002,361
Salaries and employee benefits$2,739,0002,446
Premises and equipment expense$887,0002,273
Additional noninterest expense$2,337,0002,267
Pre-tax net operating income$3,692,0001,928
Securities gains (losses)$363,000343
Applicable income taxes$1,214,0001,857
Income before extraordinary items$2,841,0001,732
Extraordinary gains, net$0249
Net income$2,841,0001,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-40,00011,755
Cash dividends$350,0004,074
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,586,9001,884
1993-12-31 (YTD Data)Rank
Total interest income$13,854,0002,241
Total interest expense$5,401,0002,393
Net interest income$8,453,0002,135
Provision for loan and lease losses$010,371
Total noninterest income$2,098,0001,912
Gross Fiduciary activities income$108,0001,193
Service charges on deposit accounts$1,118,0001,204
Trading account gains and fees$0532
Additional Noninterest Income$872,0002,248
Total noninterest expense$6,148,0002,337
Salaries and employee benefits$2,742,0002,424
Premises and equipment expense$831,0002,458
Additional noninterest expense$2,575,0002,168
Pre-tax net operating income$4,403,0001,583
Securities gains (losses)$-222,00013,222
Applicable income taxes$1,346,0001,732
Income before extraordinary items$2,835,0001,766
Extraordinary gains, net$63,0001,988
Net income$2,898,0001,801
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00011,843
Cash dividends$325,0004,161
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,985,9601,596
1992-12-31 (YTD Data)Rank
Total interest income$11,582,0003,036
Total interest expense$4,612,0003,560
Net interest income$6,970,0002,604
Provision for loan and lease losses$011,756
Total noninterest income$1,254,0002,768
Gross Fiduciary activities income$124,0001,206
Service charges on deposit accounts$710,0001,900
Trading account gains and fees$0504
Additional Noninterest Income$420,0003,587
Total noninterest expense$4,598,0003,102
Salaries and employee benefits$2,003,0003,201
Premises and equipment expense$583,0003,458
Additional noninterest expense$2,012,0002,790
Pre-tax net operating income$3,626,0001,702
Securities gains (losses)$6,0006,913
Applicable income taxes$1,100,0001,934
Income before extraordinary items$2,532,0001,796
Extraordinary gains, net$01,422
Net income$2,532,0001,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0008,449
Cash dividends$250,0004,445
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,527,8001,661

* 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.