Home > Dairy State Bank > Income and Expense

Dairy State Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$25,622,0001,575
Total interest expense$10,457,0001,248
Net interest income$15,165,0001,795
Provision for loan and lease losses$973,000853
Total noninterest income$1,479,0002,319
Gross Fiduciary activities income$0981
Service charges on deposit accounts$411,0001,866
Trading account gains and feesNANA
Additional Noninterest Income$1,068,0002,217
Total noninterest expense$12,481,0001,762
Salaries and employee benefits$7,803,0001,634
Premises and equipment expense$1,254,0001,753
Additional noninterest expense$1,068,0002,217
Pre-tax net operating income$3,190,0002,440
Securities gains (losses)$-334,0004,104
Applicable income taxes$2,264,000905
Income before extraordinary items$592,0003,798
Extraordinary gains, net$054
Net income$592,0003,836
Minority interest net income$088
Net income of bank and minority interests.$592,0003,799
Net charge-offs$29,0002,045
Cash dividends$200,0003,163
Sale, conversion, retirement of capital stock, net$0540
Net operating income$855,8603,616
2023-09-30 (YTD Data)Rank
Total interest income$18,228,0001,618
Total interest expense$7,117,0001,256
Net interest income$11,111,0001,843
Provision for loan and lease losses$503,000998
Total noninterest income$1,107,0002,313
Gross Fiduciary activities income$0950
Service charges on deposit accounts$305,0001,875
Trading account gains and feesNANA
Additional Noninterest Income$802,0002,210
Total noninterest expense$9,232,0001,780
Salaries and employee benefits$5,695,0001,670
Premises and equipment expense$915,0001,797
Additional noninterest expense$802,0002,210
Pre-tax net operating income$2,483,0002,455
Securities gains (losses)$-416,0004,345
Applicable income taxes$251,0002,213
Income before extraordinary items$1,816,0002,614
Extraordinary gains, net$052
Net income$1,816,0002,643
Minority interest net income$081
Net income of bank and minority interests.$1,816,0002,615
Net charge-offs$16,0001,978
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$0507
Net operating income$2,182,0802,438
2023-06-30 (YTD Data)Rank
Total interest income$11,671,0001,634
Total interest expense$4,259,0001,255
Net interest income$7,412,0001,850
Provision for loan and lease losses$245,0001,204
Total noninterest income$746,0002,259
Gross Fiduciary activities income$0931
Service charges on deposit accounts$202,0001,874
Trading account gains and feesNANA
Additional Noninterest Income$544,0002,110
Total noninterest expense$6,081,0001,783
Salaries and employee benefits$3,767,0001,671
Premises and equipment expense$601,0001,798
Additional noninterest expense$544,0002,107
Pre-tax net operating income$1,832,0002,353
Securities gains (losses)$-416,0004,460
Applicable income taxes$255,0001,967
Income before extraordinary items$1,161,0002,685
Extraordinary gains, net$051
Net income$1,161,0002,715
Minority interest net income$081
Net income of bank and minority interests.$1,161,0002,685
Net charge-offs$11,0001,777
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$0486
Net operating income$1,502,1202,418
2023-03-31 (YTD Data)Rank
Total interest income$5,656,0001,657
Total interest expense$1,843,0001,265
Net interest income$3,813,0001,817
Provision for loan and lease losses$35,0001,867
Total noninterest income$384,0002,226
Gross Fiduciary activities income$0913
Service charges on deposit accounts$97,0001,944
Trading account gains and feesNANA
Additional Noninterest Income$287,0002,050
Total noninterest expense$3,034,0001,818
Salaries and employee benefits$1,903,0001,688
Premises and equipment expense$306,0001,813
Additional noninterest expense$287,0002,050
Pre-tax net operating income$1,128,0002,155
Securities gains (losses)$-84,0004,334
Applicable income taxes$223,0001,601
Income before extraordinary items$821,0002,347
Extraordinary gains, net$04
Net income$821,0002,346
Minority interest net income$048
Net income of bank and minority interests.$821,0002,347
Net charge-offs$-1,0003,238
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$0430
Net operating income$887,3602,286
2022-12-31 (YTD Data)Rank
Total interest income$17,823,0001,714
Total interest expense$3,317,0001,089
Net interest income$14,506,0001,832
Provision for loan and lease losses$03,012
Total noninterest income$1,526,0002,327
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$385,0001,984
Trading account gains and feesNANA
Additional Noninterest Income$1,141,0002,196
Total noninterest expense$11,260,0001,853
Salaries and employee benefits$7,118,0001,728
Premises and equipment expense$1,225,0001,785
Additional noninterest expense$1,141,0002,196
Pre-tax net operating income$4,772,0002,093
Securities gains (losses)$-484,0004,313
Applicable income taxes$851,0001,678
Income before extraordinary items$3,437,0002,290
Extraordinary gains, net$05
Net income$3,437,0002,289
Minority interest net income$063
Net income of bank and minority interests.$3,437,0002,289
Net charge-offs$-165,0004,398
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$0568
Net operating income$3,824,2002,186
2022-09-30 (YTD Data)Rank
Total interest income$12,520,0001,747
Total interest expense$2,085,000985
Net interest income$10,435,0001,860
Provision for loan and lease losses$02,835
Total noninterest income$1,199,0002,304
Gross Fiduciary activities income$0968
Service charges on deposit accounts$288,0002,008
Trading account gains and feesNANA
Additional Noninterest Income$911,0002,160
Total noninterest expense$8,578,0001,838
Salaries and employee benefits$5,421,0001,696
Premises and equipment expense$892,0001,836
Additional noninterest expense$911,0002,160
Pre-tax net operating income$3,056,0002,258
Securities gains (losses)$-104,0004,233
Applicable income taxes$559,0001,758
Income before extraordinary items$2,393,0002,355
Extraordinary gains, net$04
Net income$2,393,0002,354
Minority interest net income$057
Net income of bank and minority interests.$2,393,0002,354
Net charge-offs$-107,0004,316
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$0519
Net operating income$2,477,2402,350
2022-06-30 (YTD Data)Rank
Total interest income$7,803,0001,790
Total interest expense$1,145,0001,005
Net interest income$6,658,0001,886
Provision for loan and lease losses$02,599
Total noninterest income$829,0002,274
Gross Fiduciary activities income$0925
Service charges on deposit accounts$188,0002,032
Trading account gains and feesNANA
Additional Noninterest Income$641,0002,125
Total noninterest expense$5,757,0001,819
Salaries and employee benefits$3,644,0001,674
Premises and equipment expense$602,0001,823
Additional noninterest expense$1,511,0001,996
Pre-tax net operating income$1,730,0002,385
Securities gains (losses)$-92,0004,355
Applicable income taxes$281,0001,894
Income before extraordinary items$1,357,0002,469
Extraordinary gains, net$04
Net income$1,357,0002,469
Minority interest net income$060
Net income of bank and minority interests.$1,357,0002,469
Net charge-offs$-108,0004,403
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$0494
Net operating income$1,433,3602,450
2022-03-31 (YTD Data)Rank
Total interest income$3,780,0001,797
Total interest expense$523,0001,053
Net interest income$3,257,0001,873
Provision for loan and lease losses$02,285
Total noninterest income$438,0002,202
Gross Fiduciary activities income$0892
Service charges on deposit accounts$96,0001,992
Trading account gains and feesNANA
Additional Noninterest Income$342,0002,048
Total noninterest expense$2,839,0001,823
Salaries and employee benefits$1,769,0001,715
Premises and equipment expense$307,0001,804
Additional noninterest expense$763,0001,943
Pre-tax net operating income$856,0002,304
Securities gains (losses)$-26,0004,375
Applicable income taxes$142,0001,838
Income before extraordinary items$688,0002,379
Extraordinary gains, net$04
Net income$688,0002,377
Minority interest net income$050
Net income of bank and minority interests.$688,0002,379
Net charge-offs$1,0001,671
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$0453
Net operating income$709,5802,362
2021-12-31 (YTD Data)Rank
Total interest income$17,548,0001,649
Total interest expense$2,247,0001,200
Net interest income$15,301,0001,701
Provision for loan and lease losses$-1,400,0004,566
Total noninterest income$1,958,0002,250
Gross Fiduciary activities income$0994
Service charges on deposit accounts$353,0002,007
Trading account gains and feesNANA
Additional Noninterest Income$1,605,0002,148
Total noninterest expense$10,943,0001,862
Salaries and employee benefits$6,791,0001,758
Premises and equipment expense$1,171,0001,848
Additional noninterest expense$2,981,0001,993
Pre-tax net operating income$7,716,0001,530
Securities gains (losses)$58,0001,065
Applicable income taxes$1,781,0001,175
Income before extraordinary items$5,993,0001,657
Extraordinary gains, net$010
Net income$5,993,0001,656
Minority interest net income$074
Net income of bank and minority interests.$5,993,0001,657
Net charge-offs$-1,474,0004,803
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$0582
Net operating income$5,947,1801,640
2021-09-30 (YTD Data)Rank
Total interest income$13,753,0001,619
Total interest expense$1,714,0001,245
Net interest income$12,039,0001,660
Provision for loan and lease losses$-1,400,0004,650
Total noninterest income$1,479,0002,288
Gross Fiduciary activities income$0957
Service charges on deposit accounts$258,0002,043
Trading account gains and feesNANA
Additional Noninterest Income$1,221,0002,165
Total noninterest expense$8,300,0001,846
Salaries and employee benefits$5,233,0001,723
Premises and equipment expense$897,0001,850
Additional noninterest expense$2,170,0002,042
Pre-tax net operating income$6,618,0001,437
Securities gains (losses)$-108,0004,803
Applicable income taxes$1,532,0001,133
Income before extraordinary items$4,978,0001,614
Extraordinary gains, net$08
Net income$4,978,0001,613
Minority interest net income$069
Net income of bank and minority interests.$4,978,0001,614
Net charge-offs$-1,476,0004,885
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$0543
Net operating income$5,063,3201,565
2021-06-30 (YTD Data)Rank
Total interest income$8,475,0001,719
Total interest expense$1,166,0001,277
Net interest income$7,309,0001,775
Provision for loan and lease losses$-1,400,0004,707
Total noninterest income$1,017,0002,218
Gross Fiduciary activities income$0951
Service charges on deposit accounts$164,0002,046
Trading account gains and feesNANA
Additional Noninterest Income$853,0002,088
Total noninterest expense$5,525,0001,838
Salaries and employee benefits$3,461,0001,731
Premises and equipment expense$606,0001,836
Additional noninterest expense$1,458,0002,015
Pre-tax net operating income$4,201,0001,484
Securities gains (losses)$-108,0004,864
Applicable income taxes$949,0001,179
Income before extraordinary items$3,144,0001,661
Extraordinary gains, net$06
Net income$3,144,0001,661
Minority interest net income$067
Net income of bank and minority interests.$3,144,0001,661
Net charge-offs$-1,478,0004,923
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$0517
Net operating income$3,229,3201,601
2021-03-31 (YTD Data)Rank
Total interest income$4,233,0001,721
Total interest expense$604,0001,301
Net interest income$3,629,0001,770
Provision for loan and lease losses$02,741
Total noninterest income$501,0002,235
Gross Fiduciary activities income$0922
Service charges on deposit accounts$81,0002,045
Trading account gains and feesNANA
Additional Noninterest Income$420,0002,107
Total noninterest expense$2,785,0001,814
Salaries and employee benefits$1,730,0001,722
Premises and equipment expense$312,0001,791
Additional noninterest expense$743,0001,946
Pre-tax net operating income$1,345,0002,000
Securities gains (losses)$01,392
Applicable income taxes$278,0001,566
Income before extraordinary items$1,067,0002,129
Extraordinary gains, net$03
Net income$1,067,0002,129
Minority interest net income$055
Net income of bank and minority interests.$1,067,0002,129
Net charge-offs$-40,0004,551
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,067,0002,088
2020-12-31 (YTD Data)Rank
Total interest income$17,630,0001,666
Total interest expense$3,457,0001,325
Net interest income$14,173,0001,729
Provision for loan and lease losses$400,0002,439
Total noninterest income$2,289,0001,973
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$369,0001,988
Trading account gains and feesNANA
Additional Noninterest Income$1,920,0001,825
Total noninterest expense$10,179,0001,939
Salaries and employee benefits$6,485,0001,773
Premises and equipment expense$1,080,0001,930
Additional noninterest expense$2,614,0002,137
Pre-tax net operating income$5,883,0001,583
Securities gains (losses)$101,0001,381
Applicable income taxes$1,335,0001,230
Income before extraordinary items$4,649,0001,718
Extraordinary gains, net$04
Net income$4,649,0001,718
Minority interest net income$072
Net income of bank and minority interests.$4,649,0001,718
Net charge-offs$523,000942
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0566
Net operating income$4,569,2101,714
2020-09-30 (YTD Data)Rank
Total interest income$13,135,0001,678
Total interest expense$2,790,0001,319
Net interest income$10,345,0001,760
Provision for loan and lease losses$04,239
Total noninterest income$1,583,0002,031
Gross Fiduciary activities income$0981
Service charges on deposit accounts$280,0001,980
Trading account gains and feesNANA
Additional Noninterest Income$1,303,0001,892
Total noninterest expense$8,022,0001,841
Salaries and employee benefits$5,080,0001,713
Premises and equipment expense$769,0002,002
Additional noninterest expense$2,173,0001,945
Pre-tax net operating income$3,906,0001,704
Securities gains (losses)$02,494
Applicable income taxes$841,0001,319
Income before extraordinary items$3,065,0001,876
Extraordinary gains, net$04
Net income$3,065,0001,875
Minority interest net income$065
Net income of bank and minority interests.$3,065,0001,876
Net charge-offs$-34,0004,568
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$0532
Net operating income$3,065,0001,833
2020-06-30 (YTD Data)Rank
Total interest income$8,741,0001,692
Total interest expense$1,996,0001,318
Net interest income$6,745,0001,805
Provision for loan and lease losses$04,134
Total noninterest income$870,0002,189
Gross Fiduciary activities income$0970
Service charges on deposit accounts$189,0001,985
Trading account gains and feesNANA
Additional Noninterest Income$681,0002,050
Total noninterest expense$5,363,0001,835
Salaries and employee benefits$3,419,0001,690
Premises and equipment expense$509,0002,006
Additional noninterest expense$1,435,0001,953
Pre-tax net operating income$2,252,0001,837
Securities gains (losses)$02,249
Applicable income taxes$477,0001,385
Income before extraordinary items$1,775,0002,004
Extraordinary gains, net$04
Net income$1,775,0002,005
Minority interest net income$065
Net income of bank and minority interests.$1,775,0002,005
Net charge-offs$-32,0004,639
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$0504
Net operating income$1,775,0001,962
2020-03-31 (YTD Data)Rank
Total interest income$4,440,0001,668
Total interest expense$1,100,0001,333
Net interest income$3,340,0001,762
Provision for loan and lease losses$03,711
Total noninterest income$387,0002,218
Gross Fiduciary activities income$0941
Service charges on deposit accounts$109,0002,035
Trading account gains and feesNANA
Additional Noninterest Income$278,0002,084
Total noninterest expense$2,690,0001,843
Salaries and employee benefits$1,710,0001,709
Premises and equipment expense$261,0001,993
Additional noninterest expense$719,0001,993
Pre-tax net operating income$1,037,0001,780
Securities gains (losses)$01,705
Applicable income taxes$219,0001,320
Income before extraordinary items$818,0001,944
Extraordinary gains, net$04
Net income$818,0001,943
Minority interest net income$056
Net income of bank and minority interests.$818,0001,944
Net charge-offs$-32,0004,767
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$0482
Net operating income$818,0001,910
2019-12-31 (YTD Data)Rank
Total interest income$17,273,0001,714
Total interest expense$4,477,0001,354
Net interest income$12,796,0001,837
Provision for loan and lease losses$03,973
Total noninterest income$1,476,0002,316
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$456,0002,046
Trading account gains and feesNANA
Additional Noninterest Income$1,020,0002,224
Total noninterest expense$10,225,0001,885
Salaries and employee benefits$6,368,0001,758
Premises and equipment expense$1,083,0001,930
Additional noninterest expense$2,774,0002,049
Pre-tax net operating income$4,047,0002,040
Securities gains (losses)$1,476,000177
Applicable income taxes$1,180,0001,294
Income before extraordinary items$4,343,0001,780
Extraordinary gains, net$011
Net income$4,343,0001,782
Minority interest net income$076
Net income of bank and minority interests.$4,343,0001,782
Net charge-offs$17,0003,182
Cash dividends$918,0002,452
Sale, conversion, retirement of capital stock, net$0626
Net operating income$3,176,9602,169
2019-09-30 (YTD Data)Rank
Total interest income$12,854,0001,745
Total interest expense$3,376,0001,352
Net interest income$9,478,0001,873
Provision for loan and lease losses$03,836
Total noninterest income$1,078,0002,356
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$339,0002,063
Trading account gains and feesNANA
Additional Noninterest Income$739,0002,254
Total noninterest expense$7,942,0001,840
Salaries and employee benefits$4,894,0001,732
Premises and equipment expense$833,0001,905
Additional noninterest expense$2,215,0001,948
Pre-tax net operating income$2,614,0002,302
Securities gains (losses)$729,000245
Applicable income taxes$644,0001,601
Income before extraordinary items$2,699,0002,088
Extraordinary gains, net$011
Net income$2,699,0002,086
Minority interest net income$072
Net income of bank and minority interests.$2,699,0002,089
Net charge-offs$-9,0004,397
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$0590
Net operating income$2,108,5102,416
2019-06-30 (YTD Data)Rank
Total interest income$8,476,0001,764
Total interest expense$2,199,0001,362
Net interest income$6,277,0001,888
Provision for loan and lease losses$03,685
Total noninterest income$674,0002,397
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$223,0002,053
Trading account gains and feesNANA
Additional Noninterest Income$451,0002,330
Total noninterest expense$5,237,0001,864
Salaries and employee benefits$3,233,0001,747
Premises and equipment expense$516,0002,020
Additional noninterest expense$1,488,0001,949
Pre-tax net operating income$1,714,0002,299
Securities gains (losses)$729,000175
Applicable income taxes$467,0001,503
Income before extraordinary items$1,976,0001,937
Extraordinary gains, net$011
Net income$1,976,0001,935
Minority interest net income$069
Net income of bank and minority interests.$1,976,0001,937
Net charge-offs$-4,0004,200
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$0573
Net operating income$1,385,5102,413
2019-03-31 (YTD Data)Rank
Total interest income$4,230,0001,771
Total interest expense$1,075,0001,356
Net interest income$3,155,0001,889
Provision for loan and lease losses$03,406
Total noninterest income$320,0002,451
Gross Fiduciary activities income$0972
Service charges on deposit accounts$107,0002,109
Trading account gains and feesNANA
Additional Noninterest Income$213,0002,333
Total noninterest expense$2,611,0001,869
Salaries and employee benefits$1,606,0001,766
Premises and equipment expense$250,0002,084
Additional noninterest expense$755,0001,907
Pre-tax net operating income$864,0002,257
Securities gains (losses)$36,000448
Applicable income taxes$134,0001,919
Income before extraordinary items$766,0002,245
Extraordinary gains, net$05
Net income$766,0002,244
Minority interest net income$052
Net income of bank and minority interests.$766,0002,244
Net charge-offs$-2,0004,062
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$0529
Net operating income$735,4002,273
2018-12-31 (YTD Data)Rank
Total interest income$16,434,0001,715
Total interest expense$3,331,0001,316
Net interest income$13,103,0001,803
Provision for loan and lease losses$-700,0005,322
Total noninterest income$1,354,0002,456
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$453,0002,136
Trading account gains and feesNANA
Additional Noninterest Income$901,0002,355
Total noninterest expense$10,114,0001,890
Salaries and employee benefits$6,288,0001,741
Premises and equipment expense$983,0002,080
Additional noninterest expense$2,843,0002,014
Pre-tax net operating income$5,043,0001,770
Securities gains (losses)$-79,0004,951
Applicable income taxes$910,0001,472
Income before extraordinary items$4,054,0001,894
Extraordinary gains, net$06
Net income$4,054,0001,892
Minority interest net income$072
Net income of bank and minority interests.$4,054,0001,893
Net charge-offs$-688,0005,328
Cash dividends$1,224,0001,992
Sale, conversion, retirement of capital stock, net$0671
Net operating income$4,118,7801,857
2018-09-30 (YTD Data)Rank
Total interest income$12,343,0001,700
Total interest expense$2,412,0001,282
Net interest income$9,931,0001,791
Provision for loan and lease losses$-600,0005,397
Total noninterest income$1,053,0002,428
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$342,0002,132
Trading account gains and feesNANA
Additional Noninterest Income$711,0002,326
Total noninterest expense$8,059,0001,786
Salaries and employee benefits$5,017,0001,676
Premises and equipment expense$737,0002,077
Additional noninterest expense$2,305,0001,877
Pre-tax net operating income$3,525,0001,878
Securities gains (losses)$-47,0005,126
Applicable income taxes$607,0001,625
Income before extraordinary items$2,871,0001,971
Extraordinary gains, net$05
Net income$2,871,0001,968
Minority interest net income$066
Net income of bank and minority interests.$2,871,0001,970
Net charge-offs$-699,0005,412
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$2,910,0101,941
2018-06-30 (YTD Data)Rank
Total interest income$8,066,0001,709
Total interest expense$1,514,0001,272
Net interest income$6,552,0001,792
Provision for loan and lease losses$-600,0005,477
Total noninterest income$726,0002,393
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$225,0002,145
Trading account gains and feesNANA
Additional Noninterest Income$501,0002,261
Total noninterest expense$5,366,0001,803
Salaries and employee benefits$3,344,0001,678
Premises and equipment expense$489,0002,105
Additional noninterest expense$1,533,0001,890
Pre-tax net operating income$2,512,0001,754
Securities gains (losses)$-76,0005,313
Applicable income taxes$441,0001,520
Income before extraordinary items$1,995,0001,881
Extraordinary gains, net$06
Net income$1,995,0001,879
Minority interest net income$065
Net income of bank and minority interests.$1,995,0001,880
Net charge-offs$-697,0005,487
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$2,057,3201,832
2018-03-31 (YTD Data)Rank
Total interest income$3,970,0001,719
Total interest expense$699,0001,308
Net interest income$3,271,0001,796
Provision for loan and lease losses$-600,0005,563
Total noninterest income$374,0002,348
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$114,0002,124
Trading account gains and feesNANA
Additional Noninterest Income$260,0002,182
Total noninterest expense$2,699,0001,810
Salaries and employee benefits$1,670,0001,699
Premises and equipment expense$247,0002,127
Additional noninterest expense$782,0001,853
Pre-tax net operating income$1,546,0001,448
Securities gains (losses)$1,000666
Applicable income taxes$343,0001,112
Income before extraordinary items$1,204,0001,582
Extraordinary gains, net$07
Net income$1,204,0001,581
Minority interest net income$052
Net income of bank and minority interests.$1,204,0001,582
Net charge-offs$-704,0005,575
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$1,203,2101,572
2017-12-31 (YTD Data)Rank
Total interest income$15,378,0001,722
Total interest expense$2,197,0001,417
Net interest income$13,181,0001,757
Provision for loan and lease losses$-500,0005,512
Total noninterest income$1,348,0002,531
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$430,0002,278
Trading account gains and fees$0151
Additional Noninterest Income$918,0002,383
Total noninterest expense$10,257,0001,868
Salaries and employee benefits$6,335,0001,736
Premises and equipment expense$1,026,0002,070
Additional noninterest expense$2,896,0001,993
Pre-tax net operating income$4,772,0001,783
Securities gains (losses)$-129,0005,450
Applicable income taxes$1,790,0001,372
Income before extraordinary items$2,853,0002,136
Extraordinary gains, net$09
Net income$2,853,0002,137
Minority interest net income$076
Net income of bank and minority interests.$2,853,0002,137
Net charge-offs$120,0002,273
Cash dividends$1,224,0001,960
Sale, conversion, retirement of capital stock, net$0711
Net operating income$2,935,5602,065
2017-09-30 (YTD Data)Rank
Total interest income$11,466,0001,720
Total interest expense$1,594,0001,440
Net interest income$9,872,0001,767
Provision for loan and lease losses$04,088
Total noninterest income$987,0002,581
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$320,0002,298
Trading account gains and fees$0145
Additional Noninterest Income$667,0002,453
Total noninterest expense$8,088,0001,788
Salaries and employee benefits$4,930,0001,686
Premises and equipment expense$839,0001,950
Additional noninterest expense$2,319,0001,891
Pre-tax net operating income$2,771,0002,199
Securities gains (losses)$33,0001,065
Applicable income taxes$605,0001,918
Income before extraordinary items$2,199,0002,229
Extraordinary gains, net$09
Net income$2,199,0002,230
Minority interest net income$071
Net income of bank and minority interests.$2,199,0002,230
Net charge-offs$52,0002,438
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$0677
Net operating income$2,173,2602,230
2017-06-30 (YTD Data)Rank
Total interest income$7,536,0001,735
Total interest expense$1,010,0001,466
Net interest income$6,526,0001,766
Provision for loan and lease losses$03,871
Total noninterest income$644,0002,618
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$211,0002,309
Trading account gains and fees$0139
Additional Noninterest Income$433,0002,499
Total noninterest expense$5,406,0001,783
Salaries and employee benefits$3,289,0001,689
Premises and equipment expense$569,0001,939
Additional noninterest expense$1,548,0001,890
Pre-tax net operating income$1,764,0002,215
Securities gains (losses)$-3,0005,365
Applicable income taxes$377,0001,960
Income before extraordinary items$1,384,0002,289
Extraordinary gains, net$011
Net income$1,384,0002,289
Minority interest net income$071
Net income of bank and minority interests.$1,384,0002,289
Net charge-offs$-1,0004,147
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,386,3702,253
2017-03-31 (YTD Data)Rank
Total interest income$3,771,0001,722
Total interest expense$479,0001,513
Net interest income$3,292,0001,748
Provision for loan and lease losses$03,537
Total noninterest income$325,0002,613
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$105,0002,313
Trading account gains and fees$0142
Additional Noninterest Income$220,0002,457
Total noninterest expense$2,691,0001,803
Salaries and employee benefits$1,635,0001,716
Premises and equipment expense$297,0001,903
Additional noninterest expense$759,0001,920
Pre-tax net operating income$926,0002,060
Securities gains (losses)$-1,0005,454
Applicable income taxes$203,0001,855
Income before extraordinary items$722,0002,150
Extraordinary gains, net$08
Net income$722,0002,151
Minority interest net income$055
Net income of bank and minority interests.$722,0002,151
Net charge-offs$22,0001,835
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$722,7802,115
2016-12-31 (YTD Data)Rank
Total interest income$14,965,0001,686
Total interest expense$1,743,0001,577
Net interest income$13,222,0001,703
Provision for loan and lease losses$-500,0005,740
Total noninterest income$1,135,0002,833
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$443,0002,288
Trading account gains and fees$0170
Additional Noninterest Income$692,0002,844
Total noninterest expense$10,203,0001,871
Salaries and employee benefits$6,233,0001,727
Premises and equipment expense$1,051,0002,061
Additional noninterest expense$2,919,0002,025
Pre-tax net operating income$4,654,0001,718
Securities gains (losses)$98,0001,356
Applicable income taxes$1,300,0001,392
Income before extraordinary items$3,452,0001,872
Extraordinary gains, net$05
Net income$3,452,0001,871
Minority interest net income$082
Net income of bank and minority interests.$3,452,0001,871
Net charge-offs$245,0001,734
Cash dividends$2,815,0001,074
Sale, conversion, retirement of capital stock, net$0759
Net operating income$3,380,4601,856
2016-09-30 (YTD Data)Rank
Total interest income$11,293,0001,676
Total interest expense$1,313,0001,574
Net interest income$9,980,0001,692
Provision for loan and lease losses$04,186
Total noninterest income$762,0003,021
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$337,0002,264
Trading account gains and fees$0169
Additional Noninterest Income$425,0003,092
Total noninterest expense$7,699,0001,864
Salaries and employee benefits$4,716,0001,712
Premises and equipment expense$816,0002,011
Additional noninterest expense$2,167,0002,043
Pre-tax net operating income$3,043,0001,941
Securities gains (losses)$98,0001,272
Applicable income taxes$804,0001,620
Income before extraordinary items$2,337,0002,067
Extraordinary gains, net$05
Net income$2,337,0002,066
Minority interest net income$071
Net income of bank and minority interests.$2,337,0002,067
Net charge-offs$80,0002,244
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$0719
Net operating income$2,264,4802,067
2016-06-30 (YTD Data)Rank
Total interest income$7,612,0001,662
Total interest expense$866,0001,592
Net interest income$6,746,0001,665
Provision for loan and lease losses$04,017
Total noninterest income$427,0003,296
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$224,0002,246
Trading account gains and fees$0157
Additional Noninterest Income$203,0003,573
Total noninterest expense$5,164,0001,857
Salaries and employee benefits$3,138,0001,709
Premises and equipment expense$563,0001,953
Additional noninterest expense$1,463,0002,013
Pre-tax net operating income$2,009,0001,930
Securities gains (losses)$98,000977
Applicable income taxes$540,0001,584
Income before extraordinary items$1,567,0002,039
Extraordinary gains, net$016
Net income$1,567,0002,039
Minority interest net income$071
Net income of bank and minority interests.$1,567,0002,039
Net charge-offs$75,0001,862
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,494,4802,066
2016-03-31 (YTD Data)Rank
Total interest income$3,881,0001,634
Total interest expense$439,0001,569
Net interest income$3,442,0001,637
Provision for loan and lease losses$03,656
Total noninterest income$282,0002,819
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$111,0002,264
Trading account gains and fees$0142
Additional Noninterest Income$171,0002,826
Total noninterest expense$2,575,0001,861
Salaries and employee benefits$1,561,0001,730
Premises and equipment expense$269,0002,046
Additional noninterest expense$745,0001,957
Pre-tax net operating income$1,149,0001,740
Securities gains (losses)$-2,0005,868
Applicable income taxes$303,0001,469
Income before extraordinary items$844,0001,900
Extraordinary gains, net$012
Net income$844,0001,901
Minority interest net income$062
Net income of bank and minority interests.$844,0001,901
Net charge-offs$76,0001,173
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$845,4801,854
2015-12-31 (YTD Data)Rank
Total interest income$15,544,0001,587
Total interest expense$1,894,0001,455
Net interest income$13,650,0001,602
Provision for loan and lease losses$04,380
Total noninterest income$1,144,0002,860
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$492,0002,166
Trading account gains and fees$0159
Additional Noninterest Income$652,0002,925
Total noninterest expense$9,328,0002,022
Salaries and employee benefits$5,587,0001,866
Premises and equipment expense$1,050,0002,099
Additional noninterest expense$2,691,0002,195
Pre-tax net operating income$5,466,0001,468
Securities gains (losses)$126,0001,029
Applicable income taxes$1,614,0001,176
Income before extraordinary items$3,978,0001,603
Extraordinary gains, net$023
Net income$3,978,0001,604
Minority interest net income$081
Net income of bank and minority interests.$3,978,0001,604
Net charge-offs$121,0002,492
Cash dividends$2,020,0001,324
Sale, conversion, retirement of capital stock, net$0804
Net operating income$3,888,5401,602
2015-09-30 (YTD Data)Rank
Total interest income$11,673,0001,602
Total interest expense$1,449,0001,446
Net interest income$10,224,0001,624
Provision for loan and lease losses$04,232
Total noninterest income$1,006,0002,656
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$371,0002,170
Trading account gains and fees$0153
Additional Noninterest Income$635,0002,600
Total noninterest expense$7,258,0001,956
Salaries and employee benefits$4,247,0001,848
Premises and equipment expense$818,0002,065
Additional noninterest expense$2,193,0002,037
Pre-tax net operating income$3,972,0001,531
Securities gains (losses)$116,000947
Applicable income taxes$1,248,0001,187
Income before extraordinary items$2,840,0001,709
Extraordinary gains, net$021
Net income$2,840,0001,712
Minority interest net income$078
Net income of bank and minority interests.$2,840,0001,712
Net charge-offs$70,0002,497
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,759,9601,713
2015-06-30 (YTD Data)Rank
Total interest income$7,725,0001,617
Total interest expense$987,0001,421
Net interest income$6,738,0001,643
Provision for loan and lease losses$151,0001,753
Total noninterest income$691,0002,637
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$245,0002,143
Trading account gains and fees$0157
Additional Noninterest Income$446,0002,542
Total noninterest expense$4,848,0001,966
Salaries and employee benefits$2,823,0001,861
Premises and equipment expense$526,0002,139
Additional noninterest expense$1,499,0002,002
Pre-tax net operating income$2,430,0001,615
Securities gains (losses)$71,0001,021
Applicable income taxes$757,0001,270
Income before extraordinary items$1,744,0001,817
Extraordinary gains, net$022
Net income$1,744,0001,821
Minority interest net income$075
Net income of bank and minority interests.$1,744,0001,822
Net charge-offs$72,0002,015
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$1,694,3001,815
2015-03-31 (YTD Data)Rank
Total interest income$3,892,0001,594
Total interest expense$497,0001,411
Net interest income$3,395,0001,628
Provision for loan and lease losses$75,0001,675
Total noninterest income$313,0002,737
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$120,0002,165
Trading account gains and fees$0152
Additional Noninterest Income$193,0002,686
Total noninterest expense$2,475,0001,915
Salaries and employee benefits$1,435,0001,840
Premises and equipment expense$253,0002,227
Additional noninterest expense$787,0001,907
Pre-tax net operating income$1,158,0001,635
Securities gains (losses)$71,000705
Applicable income taxes$362,0001,270
Income before extraordinary items$867,0001,808
Extraordinary gains, net$013
Net income$867,0001,810
Minority interest net income$064
Net income of bank and minority interests.$867,0001,810
Net charge-offs$2,0002,999
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$816,5901,830
2014-12-31 (YTD Data)Rank
Total interest income$15,874,0001,560
Total interest expense$2,247,0001,293
Net interest income$13,627,0001,622
Provision for loan and lease losses$608,0001,264
Total noninterest income$1,586,0002,428
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$526,0002,201
Trading account gains and fees$0180
Additional Noninterest Income$1,060,0002,253
Total noninterest expense$9,501,0001,996
Salaries and employee benefits$5,562,0001,856
Premises and equipment expense$948,0002,340
Additional noninterest expense$2,991,0002,039
Pre-tax net operating income$5,104,0001,488
Securities gains (losses)$03,259
Applicable income taxes$1,524,0001,185
Income before extraordinary items$3,580,0001,727
Extraordinary gains, net$017
Net income$3,580,0001,727
Minority interest net income$084
Net income of bank and minority interests.$3,580,0001,726
Net charge-offs$352,0001,850
Cash dividends$750,0002,380
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,580,0001,696
2014-09-30 (YTD Data)Rank
Total interest income$11,823,0001,578
Total interest expense$1,709,0001,290
Net interest income$10,114,0001,646
Provision for loan and lease losses$455,0001,225
Total noninterest income$1,224,0002,408
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$391,0002,232
Trading account gains and fees$0174
Additional Noninterest Income$833,0002,198
Total noninterest expense$7,180,0001,975
Salaries and employee benefits$4,185,0001,850
Premises and equipment expense$750,0002,261
Additional noninterest expense$2,245,0002,029
Pre-tax net operating income$3,703,0001,554
Securities gains (losses)$-7,0006,105
Applicable income taxes$1,064,0001,256
Income before extraordinary items$2,632,0001,773
Extraordinary gains, net$015
Net income$2,632,0001,774
Minority interest net income$081
Net income of bank and minority interests.$2,632,0001,773
Net charge-offs$291,0001,630
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,636,9701,732
2014-06-30 (YTD Data)Rank
Total interest income$7,779,0001,596
Total interest expense$1,143,0001,297
Net interest income$6,636,0001,661
Provision for loan and lease losses$302,0001,218
Total noninterest income$894,0002,242
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$244,0002,315
Trading account gains and fees$0172
Additional Noninterest Income$650,0001,938
Total noninterest expense$4,674,0002,031
Salaries and employee benefits$2,684,0001,927
Premises and equipment expense$479,0002,362
Additional noninterest expense$1,511,0002,013
Pre-tax net operating income$2,554,0001,469
Securities gains (losses)$-17,0006,356
Applicable income taxes$741,0001,195
Income before extraordinary items$1,796,0001,689
Extraordinary gains, net$020
Net income$1,796,0001,692
Minority interest net income$080
Net income of bank and minority interests.$1,796,0001,691
Net charge-offs$256,0001,379
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,808,0701,649
2014-03-31 (YTD Data)Rank
Total interest income$3,774,0001,648
Total interest expense$568,0001,326
Net interest income$3,206,0001,700
Provision for loan and lease losses$150,0001,189
Total noninterest income$446,0002,192
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$114,0002,408
Trading account gains and fees$0147
Additional Noninterest Income$332,0001,872
Total noninterest expense$2,234,0002,125
Salaries and employee benefits$1,282,0002,023
Premises and equipment expense$229,0002,490
Additional noninterest expense$723,0002,082
Pre-tax net operating income$1,268,0001,446
Securities gains (losses)$-17,0006,485
Applicable income taxes$370,0001,141
Income before extraordinary items$881,0001,663
Extraordinary gains, net$016
Net income$881,0001,667
Minority interest net income$066
Net income of bank and minority interests.$881,0001,666
Net charge-offs$7,0002,989
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$892,9001,609
2013-12-31 (YTD Data)Rank
Total interest income$12,863,0001,928
Total interest expense$2,410,0001,415
Net interest income$10,453,0002,018
Provision for loan and lease losses$910,0001,186
Total noninterest income$1,469,0002,623
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$431,0002,674
Trading account gains and fees$0184
Additional Noninterest Income$1,038,0002,332
Total noninterest expense$7,972,0002,346
Salaries and employee benefits$4,661,0002,197
Premises and equipment expense$832,0002,621
Additional noninterest expense$2,479,0002,485
Pre-tax net operating income$3,040,0002,149
Securities gains (losses)$14,0002,505
Applicable income taxes$637,0001,909
Income before extraordinary items$2,417,0002,257
Extraordinary gains, net$029
Net income$2,417,0002,260
Minority interest net income$090
Net income of bank and minority interests.$2,417,0002,260
Net charge-offs$859,0001,419
Cash dividends$3,500,000767
Sale, conversion, retirement of capital stock, net$0924
Net operating income$2,405,9402,212
2013-09-30 (YTD Data)Rank
Total interest income$9,609,0001,950
Total interest expense$1,832,0001,442
Net interest income$7,777,0002,034
Provision for loan and lease losses$757,0001,106
Total noninterest income$1,166,0002,576
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$322,0002,695
Trading account gains and fees$0180
Additional Noninterest Income$844,0002,284
Total noninterest expense$6,101,0002,317
Salaries and employee benefits$3,511,0002,174
Premises and equipment expense$686,0002,451
Additional noninterest expense$1,904,0002,409
Pre-tax net operating income$2,085,0002,348
Securities gains (losses)$14,0002,364
Applicable income taxes$378,0002,196
Income before extraordinary items$1,721,0002,388
Extraordinary gains, net$025
Net income$1,721,0002,393
Minority interest net income$084
Net income of bank and minority interests.$1,721,0002,393
Net charge-offs$800,0001,178
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,709,5202,334
2013-06-30 (YTD Data)Rank
Total interest income$6,257,0001,986
Total interest expense$1,245,0001,439
Net interest income$5,012,0002,089
Provision for loan and lease losses$603,000987
Total noninterest income$732,0002,696
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$204,0002,755
Trading account gains and fees$0157
Additional Noninterest Income$528,0002,400
Total noninterest expense$4,024,0002,335
Salaries and employee benefits$2,332,0002,183
Premises and equipment expense$463,0002,429
Additional noninterest expense$1,229,0002,477
Pre-tax net operating income$1,117,0002,696
Securities gains (losses)$02,791
Applicable income taxes$147,0002,708
Income before extraordinary items$970,0002,701
Extraordinary gains, net$022
Net income$970,0002,706
Minority interest net income$082
Net income of bank and minority interests.$970,0002,706
Net charge-offs$790,000915
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$970,0002,599
2013-03-31 (YTD Data)Rank
Total interest income$3,101,0002,017
Total interest expense$625,0001,480
Net interest income$2,476,0002,118
Provision for loan and lease losses$300,000980
Total noninterest income$353,0002,751
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$99,0002,798
Trading account gains and fees$0148
Additional Noninterest Income$254,0002,452
Total noninterest expense$2,040,0002,329
Salaries and employee benefits$1,172,0002,205
Premises and equipment expense$238,0002,397
Additional noninterest expense$630,0002,432
Pre-tax net operating income$489,0002,912
Securities gains (losses)$01,966
Applicable income taxes$61,0002,849
Income before extraordinary items$428,0002,904
Extraordinary gains, net$010
Net income$428,0002,904
Minority interest net income$076
Net income of bank and minority interests.$428,0002,906
Net charge-offs$354,000950
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$428,0002,814
2012-12-31 (YTD Data)Rank
Total interest income$14,502,0001,818
Total interest expense$2,997,0001,482
Net interest income$11,505,0001,906
Provision for loan and lease losses$1,676,0001,225
Total noninterest income$1,277,0002,856
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$434,0002,765
Trading account gains and fees$0166
Additional Noninterest Income$843,0002,603
Total noninterest expense$7,795,0002,430
Salaries and employee benefits$4,629,0002,158
Premises and equipment expense$1,070,0002,139
Additional noninterest expense$2,096,0002,988
Pre-tax net operating income$3,311,0001,920
Securities gains (losses)$49,0002,743
Applicable income taxes$841,0001,640
Income before extraordinary items$2,519,0002,158
Extraordinary gains, net$029
Net income$2,519,0002,157
Minority interest net income$093
Net income of bank and minority interests.$2,519,0002,159
Net charge-offs$2,421,0001,000
Cash dividends$4,161,000671
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$2,482,2502,061
2012-09-30 (YTD Data)Rank
Total interest income$11,118,0001,810
Total interest expense$2,323,0001,506
Net interest income$8,795,0001,891
Provision for loan and lease losses$1,370,0001,161
Total noninterest income$924,0002,934
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$329,0002,789
Trading account gains and fees$0157
Additional Noninterest Income$595,0002,692
Total noninterest expense$6,005,0002,365
Salaries and employee benefits$3,493,0002,135
Premises and equipment expense$883,0002,002
Additional noninterest expense$1,629,0002,902
Pre-tax net operating income$2,344,0002,088
Securities gains (losses)$49,0002,453
Applicable income taxes$526,0001,885
Income before extraordinary items$1,867,0002,242
Extraordinary gains, net$020
Net income$1,867,0002,242
Minority interest net income$086
Net income of bank and minority interests.$1,867,0002,242
Net charge-offs$1,905,000952
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$1,828,7802,149
2012-06-30 (YTD Data)Rank
Total interest income$7,566,0001,785
Total interest expense$1,590,0001,522
Net interest income$5,976,0001,853
Provision for loan and lease losses$910,0001,180
Total noninterest income$557,0003,046
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$216,0002,791
Trading account gains and fees$0153
Additional Noninterest Income$341,0002,887
Total noninterest expense$4,086,0002,327
Salaries and employee benefits$2,326,0002,134
Premises and equipment expense$609,0001,935
Additional noninterest expense$1,151,0002,788
Pre-tax net operating income$1,537,0002,100
Securities gains (losses)$49,0002,063
Applicable income taxes$360,0001,844
Income before extraordinary items$1,226,0002,232
Extraordinary gains, net$019
Net income$1,226,0002,232
Minority interest net income$084
Net income of bank and minority interests.$1,226,0002,232
Net charge-offs$1,913,000716
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,188,2702,158
2012-03-31 (YTD Data)Rank
Total interest income$3,899,0001,746
Total interest expense$814,0001,546
Net interest income$3,085,0001,812
Provision for loan and lease losses$455,0001,132
Total noninterest income$313,0002,881
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$108,0002,754
Trading account gains and fees$0148
Additional Noninterest Income$205,0002,611
Total noninterest expense$2,086,0002,287
Salaries and employee benefits$1,171,0002,132
Premises and equipment expense$332,0001,779
Additional noninterest expense$583,0002,717
Pre-tax net operating income$857,0001,924
Securities gains (losses)$49,0001,234
Applicable income taxes$238,0001,537
Income before extraordinary items$668,0002,076
Extraordinary gains, net$019
Net income$668,0002,077
Minority interest net income$078
Net income of bank and minority interests.$668,0002,078
Net charge-offs$1,543,000485
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$631,7402,062
2011-12-31 (YTD Data)Rank
Total interest income$18,225,0001,562
Total interest expense$4,395,0001,382
Net interest income$13,830,0001,605
Provision for loan and lease losses$2,440,0001,362
Total noninterest income$1,179,0002,834
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$467,0002,718
Trading account gains and fees$0146
Additional Noninterest Income$712,0002,618
Total noninterest expense$7,969,0002,383
Salaries and employee benefits$4,584,0002,109
Premises and equipment expense$1,098,0002,207
Additional noninterest expense$2,287,0002,784
Pre-tax net operating income$4,600,0001,267
Securities gains (losses)$18,0003,129
Applicable income taxes$1,346,0001,076
Income before extraordinary items$3,272,0001,493
Extraordinary gains, net$029
Net income$3,272,0001,493
Minority interest net income$096
Net income of bank and minority interests.$3,272,0001,493
Net charge-offs$797,0002,637
Cash dividends$459,0002,532
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$3,259,2201,428
2011-09-30 (YTD Data)Rank
Total interest income$14,079,0001,535
Total interest expense$3,414,0001,388
Net interest income$10,665,0001,582
Provision for loan and lease losses$1,980,0001,248
Total noninterest income$845,0002,899
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$345,0002,750
Trading account gains and fees$0145
Additional Noninterest Income$500,0002,709
Total noninterest expense$6,194,0002,311
Salaries and employee benefits$3,478,0002,083
Premises and equipment expense$858,0002,161
Additional noninterest expense$1,858,0002,617
Pre-tax net operating income$3,336,0001,353
Securities gains (losses)$18,0002,857
Applicable income taxes$918,0001,158
Income before extraordinary items$2,436,0001,568
Extraordinary gains, net$021
Net income$2,436,0001,568
Minority interest net income$087
Net income of bank and minority interests.$2,436,0001,568
Net charge-offs$650,0002,375
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,422,8601,483
2011-06-30 (YTD Data)Rank
Total interest income$9,441,0001,545
Total interest expense$2,350,0001,395
Net interest income$7,091,0001,590
Provision for loan and lease losses$1,220,0001,315
Total noninterest income$548,0002,959
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$213,0002,888
Trading account gains and fees$0153
Additional Noninterest Income$335,0002,719
Total noninterest expense$4,198,0002,287
Salaries and employee benefits$2,357,0002,068
Premises and equipment expense$566,0002,208
Additional noninterest expense$1,275,0002,595
Pre-tax net operating income$2,221,0001,317
Securities gains (losses)$18,0002,133
Applicable income taxes$612,0001,134
Income before extraordinary items$1,627,0001,512
Extraordinary gains, net$015
Net income$1,627,0001,512
Minority interest net income$089
Net income of bank and minority interests.$1,627,0001,512
Net charge-offs$415,0002,326
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,613,8601,457
2011-03-31 (YTD Data)Rank
Total interest income$4,651,0001,573
Total interest expense$1,196,0001,424
Net interest income$3,455,0001,619
Provision for loan and lease losses$750,0001,063
Total noninterest income$261,0003,074
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$100,0002,979
Trading account gains and fees$0158
Additional Noninterest Income$161,0002,782
Total noninterest expense$2,073,0002,337
Salaries and employee benefits$1,158,0002,126
Premises and equipment expense$260,0002,408
Additional noninterest expense$655,0002,532
Pre-tax net operating income$893,0001,602
Securities gains (losses)$2,0001,590
Applicable income taxes$228,0001,366
Income before extraordinary items$667,0001,752
Extraordinary gains, net$09
Net income$667,0001,752
Minority interest net income$086
Net income of bank and minority interests.$667,0001,752
Net charge-offs$176,0002,217
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$665,5001,707
2010-12-31 (YTD Data)Rank
Total interest income$19,444,0001,588
Total interest expense$5,486,0001,522
Net interest income$13,958,0001,600
Provision for loan and lease losses$2,678,0001,745
Total noninterest income$1,238,0002,856
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$481,0002,714
Trading account gains and fees$0175
Additional Noninterest Income$757,0002,567
Total noninterest expense$8,079,0002,395
Salaries and employee benefits$4,685,0002,066
Premises and equipment expense$1,091,0002,295
Additional noninterest expense$2,303,0002,876
Pre-tax net operating income$4,439,0001,140
Securities gains (losses)$88,0002,270
Applicable income taxes$1,318,000993
Income before extraordinary items$3,209,0001,328
Extraordinary gains, net$029
Net income$3,209,0001,329
Minority interest net income$0111
Net income of bank and minority interests.$3,209,0001,330
Net charge-offs$1,194,0002,448
Cash dividends$306,0002,883
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$3,146,5201,299
2010-09-30 (YTD Data)Rank
Total interest income$14,622,0001,611
Total interest expense$4,203,0001,547
Net interest income$10,419,0001,628
Provision for loan and lease losses$1,843,0001,753
Total noninterest income$908,0002,913
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$364,0002,758
Trading account gains and fees$0165
Additional Noninterest Income$544,0002,625
Total noninterest expense$6,314,0002,295
Salaries and employee benefits$3,528,0002,049
Premises and equipment expense$879,0002,182
Additional noninterest expense$1,907,0002,594
Pre-tax net operating income$3,170,0001,248
Securities gains (losses)$88,0002,033
Applicable income taxes$901,0001,084
Income before extraordinary items$2,357,0001,415
Extraordinary gains, net$023
Net income$2,357,0001,418
Minority interest net income$0110
Net income of bank and minority interests.$2,357,0001,419
Net charge-offs$246,0003,972
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$2,293,6401,392
2010-06-30 (YTD Data)Rank
Total interest income$10,006,0001,584
Total interest expense$2,850,0001,586
Net interest income$7,156,0001,581
Provision for loan and lease losses$1,183,0001,769
Total noninterest income$573,0002,962
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$232,0002,865
Trading account gains and fees$0152
Additional Noninterest Income$341,0002,649
Total noninterest expense$4,237,0002,281
Salaries and employee benefits$2,348,0002,068
Premises and equipment expense$609,0002,124
Additional noninterest expense$1,280,0002,578
Pre-tax net operating income$2,309,0001,147
Securities gains (losses)$88,0001,495
Applicable income taxes$791,000852
Income before extraordinary items$1,606,0001,371
Extraordinary gains, net$019
Net income$1,606,0001,371
Minority interest net income$0105
Net income of bank and minority interests.$1,606,0001,372
Net charge-offs$49,0004,905
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,547,0401,367
2010-03-31 (YTD Data)Rank
Total interest income$5,030,0001,602
Total interest expense$1,456,0001,616
Net interest income$3,574,0001,605
Provision for loan and lease losses$450,0001,922
Total noninterest income$276,0003,030
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$114,0002,889
Trading account gains and fees$0175
Additional Noninterest Income$162,0002,714
Total noninterest expense$2,182,0002,235
Salaries and employee benefits$1,199,0002,050
Premises and equipment expense$336,0002,000
Additional noninterest expense$647,0002,538
Pre-tax net operating income$1,218,0001,084
Securities gains (losses)$02,284
Applicable income taxes$402,000835
Income before extraordinary items$816,0001,346
Extraordinary gains, net$016
Net income$816,0001,349
Minority interest net income$091
Net income of bank and minority interests.$816,0001,348
Net charge-offs$73,0003,394
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$816,0001,303
2009-12-31 (YTD Data)Rank
Total interest income$20,331,0001,684
Total interest expense$7,037,0001,678
Net interest income$13,294,0001,687
Provision for loan and lease losses$2,616,0002,126
Total noninterest income$1,565,0002,490
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$492,0002,923
Trading account gains and fees$0211
Additional Noninterest Income$1,073,0002,064
Total noninterest expense$8,308,0002,380
Salaries and employee benefits$4,648,0002,114
Premises and equipment expense$1,077,0002,428
Additional noninterest expense$2,583,0002,676
Pre-tax net operating income$3,935,0001,056
Securities gains (losses)$22,0003,000
Applicable income taxes$1,381,000752
Income before extraordinary items$2,576,0001,306
Extraordinary gains, net$034
Net income$2,576,0001,304
Minority interest net income$0115
Net income of bank and minority interests.$2,576,0001,305
Net charge-offs$2,543,0001,776
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$2,561,7001,284
2009-09-30 (YTD Data)Rank
Total interest income$15,251,0001,706
Total interest expense$5,442,0001,709
Net interest income$9,809,0001,712
Provision for loan and lease losses$1,656,0002,110
Total noninterest income$1,313,0002,375
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$363,0002,980
Trading account gains and fees$0212
Additional Noninterest Income$950,0001,893
Total noninterest expense$6,375,0002,322
Salaries and employee benefits$3,564,0002,079
Premises and equipment expense$830,0002,396
Additional noninterest expense$1,981,0002,594
Pre-tax net operating income$3,091,0001,057
Securities gains (losses)$03,497
Applicable income taxes$1,034,000828
Income before extraordinary items$2,057,0001,301
Extraordinary gains, net$027
Net income$2,057,0001,300
Minority interest net income$0118
Net income of bank and minority interests.$2,057,0001,301
Net charge-offs$1,525,0001,753
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,057,0001,276
2009-06-30 (YTD Data)Rank
Total interest income$10,114,0001,748
Total interest expense$3,732,0001,737
Net interest income$6,382,0001,748
Provision for loan and lease losses$900,0002,190
Total noninterest income$884,0002,371
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$235,0003,006
Trading account gains and fees$0193
Additional Noninterest Income$649,0001,887
Total noninterest expense$4,210,0002,375
Salaries and employee benefits$2,354,0002,144
Premises and equipment expense$557,0002,405
Additional noninterest expense$1,299,0002,643
Pre-tax net operating income$2,156,0001,046
Securities gains (losses)$03,136
Applicable income taxes$733,000805
Income before extraordinary items$1,423,0001,331
Extraordinary gains, net$021
Net income$1,423,0001,328
Minority interest net income$0112
Net income of bank and minority interests.$1,423,0001,329
Net charge-offs$1,011,0001,619
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,423,0001,288
2009-03-31 (YTD Data)Rank
Total interest income$5,035,0001,775
Total interest expense$1,932,0001,751
Net interest income$3,103,0001,794
Provision for loan and lease losses$270,0002,474
Total noninterest income$457,0002,275
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$115,0002,985
Trading account gains and fees$0171
Additional Noninterest Income$342,0001,789
Total noninterest expense$2,030,0002,395
Salaries and employee benefits$1,149,0002,217
Premises and equipment expense$275,0002,481
Additional noninterest expense$606,0002,542
Pre-tax net operating income$1,260,0001,012
Securities gains (losses)$02,434
Applicable income taxes$445,000754
Income before extraordinary items$815,0001,349
Extraordinary gains, net$015
Net income$815,0001,351
Minority interest net income$0102
Net income of bank and minority interests.$815,0001,351
Net charge-offs$6,0005,032
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$815,0001,275
2008-12-31 (YTD Data)Rank
Total interest income$21,156,0001,812
Total interest expense$8,847,0001,806
Net interest income$12,309,0001,810
Provision for loan and lease losses$918,0002,839
Total noninterest income$1,272,0002,944
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$528,0002,890
Trading account gains and fees$0154
Additional Noninterest Income$744,0002,540
Total noninterest expense$7,467,0002,538
Salaries and employee benefits$4,248,0002,373
Premises and equipment expense$1,056,0002,506
Additional noninterest expense$2,163,0002,665
Pre-tax net operating income$5,196,0001,067
Securities gains (losses)$21,0002,144
Applicable income taxes$1,940,000696
Income before extraordinary items$3,277,0001,265
Extraordinary gains, net$039
Net income$3,277,0001,266
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,880
Cash dividends$1,163,0002,102
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$3,263,5601,345
2008-09-30 (YTD Data)Rank
Total interest income$15,731,0001,858
Total interest expense$6,740,0001,848
Net interest income$8,991,0001,883
Provision for loan and lease losses$158,0004,566
Total noninterest income$957,0002,982
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$361,0003,113
Trading account gains and fees$0148
Additional Noninterest Income$596,0002,544
Total noninterest expense$5,708,0002,474
Salaries and employee benefits$3,176,0002,412
Premises and equipment expense$816,0002,448
Additional noninterest expense$1,716,0002,469
Pre-tax net operating income$4,082,0001,234
Securities gains (losses)$21,0001,979
Applicable income taxes$1,427,000878
Income before extraordinary items$2,676,0001,383
Extraordinary gains, net$031
Net income$2,676,0001,381
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-42,0008,178
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,662,3501,461
2008-06-30 (YTD Data)Rank
Total interest income$10,190,0001,944
Total interest expense$4,462,0001,932
Net interest income$5,728,0001,957
Provision for loan and lease losses$96,0004,324
Total noninterest income$639,0003,014
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$218,0003,313
Trading account gains and fees$0149
Additional Noninterest Income$421,0002,507
Total noninterest expense$3,690,0002,560
Salaries and employee benefits$2,025,0002,546
Premises and equipment expense$518,0002,561
Additional noninterest expense$1,147,0002,438
Pre-tax net operating income$2,581,0001,343
Securities gains (losses)$9,0002,500
Applicable income taxes$888,0001,027
Income before extraordinary items$1,702,0001,600
Extraordinary gains, net$021
Net income$1,702,0001,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-42,0008,226
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,696,0601,574
2008-03-31 (YTD Data)Rank
Total interest income$4,643,0002,174
Total interest expense$2,139,0002,126
Net interest income$2,504,0002,209
Provision for loan and lease losses$35,0004,234
Total noninterest income$271,0003,338
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$105,0003,347
Trading account gains and fees$0158
Additional Noninterest Income$166,0002,870
Total noninterest expense$1,536,0002,988
Salaries and employee benefits$863,0002,949
Premises and equipment expense$206,0003,144
Additional noninterest expense$467,0002,880
Pre-tax net operating income$1,204,0001,521
Securities gains (losses)$8,0002,056
Applicable income taxes$413,0001,170
Income before extraordinary items$799,0001,812
Extraordinary gains, net$015
Net income$799,0001,814
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0007,732
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$793,7201,766
2007-12-31 (YTD Data)Rank
Total interest income$15,236,0002,634
Total interest expense$8,035,0002,309
Net interest income$7,201,0003,020
Provision for loan and lease losses$133,0004,492
Total noninterest income$989,0003,556
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$343,0003,819
Trading account gains and fees$0178
Additional Noninterest Income$646,0002,893
Total noninterest expense$4,568,0003,712
Salaries and employee benefits$2,692,0003,520
Premises and equipment expense$629,0003,710
Additional noninterest expense$1,247,0003,967
Pre-tax net operating income$3,489,0002,205
Securities gains (losses)$1,0001,983
Applicable income taxes$1,097,0001,749
Income before extraordinary items$2,393,0002,467
Extraordinary gains, net$039
Net income$2,393,0002,466
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0004,926
Cash dividends$1,836,0001,717
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$2,392,3102,461
2007-09-30 (YTD Data)Rank
Total interest income$11,236,0002,684
Total interest expense$5,933,0002,329
Net interest income$5,303,0003,078
Provision for loan and lease losses$99,0004,145
Total noninterest income$763,0003,501
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$261,0003,799
Trading account gains and fees$0184
Additional Noninterest Income$502,0002,838
Total noninterest expense$3,438,0003,679
Salaries and employee benefits$2,036,0003,478
Premises and equipment expense$501,0003,539
Additional noninterest expense$901,0004,009
Pre-tax net operating income$2,529,0002,415
Securities gains (losses)$1,0001,492
Applicable income taxes$785,0001,931
Income before extraordinary items$1,745,0002,660
Extraordinary gains, net$033
Net income$1,745,0002,658
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0004,961
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$1,744,3102,638
2007-06-30 (YTD Data)Rank
Total interest income$7,377,0002,738
Total interest expense$3,908,0002,373
Net interest income$3,469,0003,153
Provision for loan and lease losses$66,0003,898
Total noninterest income$505,0003,534
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$172,0003,812
Trading account gains and fees$0168
Additional Noninterest Income$333,0002,856
Total noninterest expense$2,268,0003,742
Salaries and employee benefits$1,358,0003,512
Premises and equipment expense$325,0003,644
Additional noninterest expense$585,0004,088
Pre-tax net operating income$1,640,0002,522
Securities gains (losses)$01,444
Applicable income taxes$515,0002,024
Income before extraordinary items$1,125,0002,785
Extraordinary gains, net$029
Net income$1,125,0002,784
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0004,902
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,125,0002,766
2007-03-31 (YTD Data)Rank
Total interest income$3,642,0002,758
Total interest expense$1,952,0002,360
Net interest income$1,690,0003,212
Provision for loan and lease losses$33,0003,661
Total noninterest income$278,0003,287
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$88,0003,710
Trading account gains and fees$0195
Additional Noninterest Income$190,0002,624
Total noninterest expense$1,134,0003,732
Salaries and employee benefits$685,0003,522
Premises and equipment expense$163,0003,650
Additional noninterest expense$286,0004,106
Pre-tax net operating income$801,0002,560
Securities gains (losses)$01,187
Applicable income taxes$245,0002,116
Income before extraordinary items$556,0002,793
Extraordinary gains, net$022
Net income$556,0002,794
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,566
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$556,0002,785
2006-12-31 (YTD Data)Rank
Total interest income$13,785,0002,735
Total interest expense$6,923,0002,306
Net interest income$6,862,0003,159
Provision for loan and lease losses$131,0004,253
Total noninterest income$993,0003,565
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$366,0003,724
Trading account gains and fees$0130
Additional Noninterest Income$627,0002,934
Total noninterest expense$4,283,0003,785
Salaries and employee benefits$2,566,0003,550
Premises and equipment expense$636,0003,606
Additional noninterest expense$1,081,0004,270
Pre-tax net operating income$3,441,0002,519
Securities gains (losses)$-19,0007,524
Applicable income taxes$1,039,0002,141
Income before extraordinary items$2,383,0002,722
Extraordinary gains, net$051
Net income$2,383,0002,724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$2,142,0001,442
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$2,396,3002,690
2006-09-30 (YTD Data)Rank
Total interest income$10,223,0002,743
Total interest expense$5,070,0002,291
Net interest income$5,153,0003,178
Provision for loan and lease losses$98,0004,141
Total noninterest income$745,0003,570
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$273,0003,762
Trading account gains and fees$0126
Additional Noninterest Income$472,0002,940
Total noninterest expense$3,291,0003,704
Salaries and employee benefits$1,977,0003,477
Premises and equipment expense$498,0003,485
Additional noninterest expense$816,0004,204
Pre-tax net operating income$2,509,0002,642
Securities gains (losses)$-19,0007,814
Applicable income taxes$748,0002,297
Income before extraordinary items$1,742,0002,862
Extraordinary gains, net$045
Net income$1,742,0002,863
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0007,827
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,755,3002,835
2006-06-30 (YTD Data)Rank
Total interest income$6,724,0002,740
Total interest expense$3,278,0002,270
Net interest income$3,446,0003,173
Provision for loan and lease losses$65,0003,979
Total noninterest income$476,0003,640
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$172,0003,851
Trading account gains and fees$0126
Additional Noninterest Income$304,0002,988
Total noninterest expense$2,207,0003,694
Salaries and employee benefits$1,332,0003,462
Premises and equipment expense$332,0003,481
Additional noninterest expense$543,0004,224
Pre-tax net operating income$1,650,0002,681
Securities gains (losses)$01,185
Applicable income taxes$492,0002,339
Income before extraordinary items$1,158,0002,880
Extraordinary gains, net$039
Net income$1,158,0002,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,0007,835
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,158,0002,868
2006-03-31 (YTD Data)Rank
Total interest income$3,307,0002,734
Total interest expense$1,604,0002,195
Net interest income$1,703,0003,198
Provision for loan and lease losses$32,0003,778
Total noninterest income$246,0003,506
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$85,0003,811
Trading account gains and fees$0115
Additional Noninterest Income$161,0002,841
Total noninterest expense$1,114,0003,683
Salaries and employee benefits$668,0003,472
Premises and equipment expense$168,0003,457
Additional noninterest expense$278,0004,143
Pre-tax net operating income$803,0002,699
Securities gains (losses)$0955
Applicable income taxes$230,0002,404
Income before extraordinary items$573,0002,837
Extraordinary gains, net$021
Net income$573,0002,836
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,110
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$573,0002,823
2005-12-31 (YTD Data)Rank
Total interest income$12,151,0002,686
Total interest expense$4,989,0002,198
Net interest income$7,162,0002,989
Provision for loan and lease losses$110,0004,684
Total noninterest income$1,101,0003,330
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$376,0003,693
Trading account gains and fees$0138
Additional Noninterest Income$725,0002,705
Total noninterest expense$4,320,0003,641
Salaries and employee benefits$2,638,0003,325
Premises and equipment expense$650,0003,424
Additional noninterest expense$1,032,0004,311
Pre-tax net operating income$3,833,0002,289
Securities gains (losses)$-67,0008,295
Applicable income taxes$1,143,0002,081
Income before extraordinary items$2,623,0002,501
Extraordinary gains, net$046
Net income$2,623,0002,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0005,723
Cash dividends$1,800,0001,584
Sale, conversion, retirement of capital stock, net$0934
Net operating income$2,669,9002,431
2005-09-30 (YTD Data)Rank
Total interest income$9,028,0002,643
Total interest expense$3,622,0002,154
Net interest income$5,406,0002,955
Provision for loan and lease losses$83,0004,565
Total noninterest income$848,0003,280
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$280,0003,723
Trading account gains and fees$0126
Additional Noninterest Income$568,0002,638
Total noninterest expense$3,302,0003,568
Salaries and employee benefits$1,998,0003,277
Premises and equipment expense$501,0003,354
Additional noninterest expense$803,0004,172
Pre-tax net operating income$2,869,0002,317
Securities gains (losses)$-58,0008,526
Applicable income taxes$854,0002,106
Income before extraordinary items$1,957,0002,523
Extraordinary gains, net$035
Net income$1,957,0002,523
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,0008,204
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,997,6002,460
2005-06-30 (YTD Data)Rank
Total interest income$5,883,0002,644
Total interest expense$2,281,0002,157
Net interest income$3,602,0002,925
Provision for loan and lease losses$54,0004,449
Total noninterest income$622,0003,010
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$183,0003,704
Trading account gains and fees$0116
Additional Noninterest Income$439,0002,383
Total noninterest expense$2,185,0003,569
Salaries and employee benefits$1,322,0003,276
Premises and equipment expense$330,0003,358
Additional noninterest expense$533,0004,150
Pre-tax net operating income$1,985,0002,203
Securities gains (losses)$-59,0008,631
Applicable income taxes$587,0002,041
Income before extraordinary items$1,339,0002,416
Extraordinary gains, net$030
Net income$1,339,0002,416
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0008,046
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,380,3002,336
2005-03-31 (YTD Data)Rank
Total interest income$2,902,0002,650
Total interest expense$1,113,0002,116
Net interest income$1,789,0002,929
Provision for loan and lease losses$27,0004,321
Total noninterest income$366,0002,650
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$86,0003,771
Trading account gains and fees$0115
Additional Noninterest Income$280,0001,974
Total noninterest expense$1,091,0003,592
Salaries and employee benefits$657,0003,296
Premises and equipment expense$167,0003,348
Additional noninterest expense$267,0004,156
Pre-tax net operating income$1,037,0002,101
Securities gains (losses)$-58,0008,799
Applicable income taxes$291,0002,016
Income before extraordinary items$688,0002,357
Extraordinary gains, net$024
Net income$688,0002,358
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0008,178
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$728,6002,222
2004-12-31 (YTD Data)Rank
Total interest income$11,186,0002,551
Total interest expense$4,145,0001,963
Net interest income$7,041,0002,861
Provision for loan and lease losses$125,0004,546
Total noninterest income$1,045,0003,437
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$418,0003,541
Trading account gains and fees$0138
Additional Noninterest Income$627,0002,909
Total noninterest expense$4,269,0003,555
Salaries and employee benefits$2,566,0003,274
Premises and equipment expense$663,0003,266
Additional noninterest expense$1,040,0004,202
Pre-tax net operating income$3,692,0002,188
Securities gains (losses)$112,0001,167
Applicable income taxes$1,044,0002,078
Income before extraordinary items$2,760,0002,228
Extraordinary gains, net$034
Net income$2,760,0002,229
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,270
Cash dividends$1,836,0001,464
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,678,2402,231
2004-09-30 (YTD Data)Rank
Total interest income$8,318,0002,538
Total interest expense$3,098,0001,939
Net interest income$5,220,0002,876
Provision for loan and lease losses$82,0004,684
Total noninterest income$780,0003,467
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$312,0003,568
Trading account gains and fees$0134
Additional Noninterest Income$468,0002,914
Total noninterest expense$3,221,0003,513
Salaries and employee benefits$1,919,0003,255
Premises and equipment expense$529,0003,111
Additional noninterest expense$773,0004,185
Pre-tax net operating income$2,697,0002,247
Securities gains (losses)$110,0001,109
Applicable income taxes$732,0002,241
Income before extraordinary items$2,075,0002,248
Extraordinary gains, net$026
Net income$2,075,0002,250
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0005,064
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,993,6002,277
2004-06-30 (YTD Data)Rank
Total interest income$5,524,0002,528
Total interest expense$2,083,0001,899
Net interest income$3,441,0002,901
Provision for loan and lease losses$54,0004,620
Total noninterest income$558,0003,327
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$206,0003,565
Trading account gains and fees$0130
Additional Noninterest Income$352,0002,718
Total noninterest expense$2,142,0003,544
Salaries and employee benefits$1,277,0003,276
Premises and equipment expense$361,0003,049
Additional noninterest expense$504,0004,285
Pre-tax net operating income$1,803,0002,228
Securities gains (losses)$103,0001,004
Applicable income taxes$494,0002,226
Income before extraordinary items$1,412,0002,183
Extraordinary gains, net$021
Net income$1,412,0002,184
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,335,7802,235
2004-03-31 (YTD Data)Rank
Total interest income$2,756,0002,535
Total interest expense$1,066,0001,873
Net interest income$1,690,0002,939
Provision for loan and lease losses$27,0004,453
Total noninterest income$271,0003,328
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$96,0003,683
Trading account gains and fees$0121
Additional Noninterest Income$175,0002,684
Total noninterest expense$1,046,0003,630
Salaries and employee benefits$633,0003,312
Premises and equipment expense$163,0003,352
Additional noninterest expense$250,0004,318
Pre-tax net operating income$888,0002,232
Securities gains (losses)$39,0001,343
Applicable income taxes$244,0002,230
Income before extraordinary items$683,0002,224
Extraordinary gains, net$016
Net income$683,0002,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,968
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$654,1402,228
2003-12-31 (YTD Data)Rank
Total interest income$11,180,0002,551
Total interest expense$4,656,0001,925
Net interest income$6,524,0002,943
Provision for loan and lease losses$128,0004,835
Total noninterest income$1,008,0003,712
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$390,0003,697
Trading account gains and fees$0160
Additional Noninterest Income$618,0003,195
Total noninterest expense$4,049,0003,677
Salaries and employee benefits$2,470,0003,299
Premises and equipment expense$551,0003,770
Additional noninterest expense$1,028,0004,181
Pre-tax net operating income$3,355,0002,291
Securities gains (losses)$17,0003,315
Applicable income taxes$832,0002,471
Income before extraordinary items$2,540,0002,340
Extraordinary gains, net$054
Net income$2,540,0002,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0004,908
Cash dividends$1,407,0001,818
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,527,2502,245
2003-09-30 (YTD Data)Rank
Total interest income$8,444,0002,573
Total interest expense$3,578,0001,950
Net interest income$4,866,0002,973
Provision for loan and lease losses$82,0005,091
Total noninterest income$787,0003,683
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$284,0003,788
Trading account gains and fees$0153
Additional Noninterest Income$503,0003,127
Total noninterest expense$3,067,0003,635
Salaries and employee benefits$1,876,0003,269
Premises and equipment expense$445,0003,554
Additional noninterest expense$746,0004,276
Pre-tax net operating income$2,504,0002,379
Securities gains (losses)$5,0003,620
Applicable income taxes$622,0002,598
Income before extraordinary items$1,887,0002,449
Extraordinary gains, net$040
Net income$1,887,0002,448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0004,987
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,883,2502,334
2003-06-30 (YTD Data)Rank
Total interest income$5,662,0002,575
Total interest expense$2,474,0001,946
Net interest income$3,188,0003,005
Provision for loan and lease losses$54,0005,044
Total noninterest income$500,0003,739
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$183,0003,824
Trading account gains and fees$0150
Additional Noninterest Income$317,0003,191
Total noninterest expense$2,042,0003,625
Salaries and employee benefits$1,252,0003,269
Premises and equipment expense$298,0003,511
Additional noninterest expense$492,0004,298
Pre-tax net operating income$1,592,0002,472
Securities gains (losses)$5,0003,210
Applicable income taxes$378,0002,797
Income before extraordinary items$1,219,0002,539
Extraordinary gains, net$030
Net income$1,219,0002,536
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-37,0008,928
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,215,2002,393
2003-03-31 (YTD Data)Rank
Total interest income$2,880,0002,542
Total interest expense$1,275,0001,932
Net interest income$1,605,0002,983
Provision for loan and lease losses$27,0004,866
Total noninterest income$243,0003,698
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$91,0003,771
Trading account gains and fees$0134
Additional Noninterest Income$152,0003,188
Total noninterest expense$1,004,0003,648
Salaries and employee benefits$627,0003,235
Premises and equipment expense$150,0003,487
Additional noninterest expense$227,0004,542
Pre-tax net operating income$817,0002,426
Securities gains (losses)$5,0002,406
Applicable income taxes$199,0002,709
Income before extraordinary items$623,0002,444
Extraordinary gains, net$021
Net income$623,0002,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0004,155
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$619,2002,327
2002-12-31 (YTD Data)Rank
Total interest income$12,381,0002,495
Total interest expense$5,563,0002,030
Net interest income$6,818,0002,798
Provision for loan and lease losses$146,0004,995
Total noninterest income$998,0003,493
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$381,0003,642
Trading account gains and fees$0153
Additional Noninterest Income$617,0002,917
Total noninterest expense$3,793,0003,707
Salaries and employee benefits$2,422,0003,194
Premises and equipment expense$538,0003,732
Additional noninterest expense$833,0004,792
Pre-tax net operating income$3,877,0002,034
Securities gains (losses)$107,0001,678
Applicable income taxes$1,055,0002,129
Income before extraordinary items$2,929,0002,048
Extraordinary gains, net$070
Net income$2,929,0002,047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$207,0002,962
Cash dividends$1,194,0001,972
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,849,8202,027
2001-12-31 (YTD Data)Rank
Total interest income$13,604,0002,514
Total interest expense$7,396,0002,171
Net interest income$6,208,0002,864
Provision for loan and lease losses$96,0005,687
Total noninterest income$770,0003,952
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$386,0003,497
Trading account gains and fees$0177
Additional Noninterest Income$384,0003,624
Total noninterest expense$3,489,0003,836
Salaries and employee benefits$2,226,0003,290
Premises and equipment expense$490,0003,943
Additional noninterest expense$773,0004,901
Pre-tax net operating income$3,393,0002,026
Securities gains (losses)$-4,0009,172
Applicable income taxes$869,0002,298
Income before extraordinary items$2,520,0002,079
Extraordinary gains, net$0105
Net income$2,520,0002,082
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,333
Cash dividends$1,346,0001,815
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,522,9601,997
2000-12-31 (YTD Data)Rank
Total interest income$13,468,0002,580
Total interest expense$7,402,0002,293
Net interest income$6,066,0002,905
Provision for loan and lease losses$66,0006,080
Total noninterest income$635,0004,266
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$409,0003,186
Trading account gains and fees$0180
Additional Noninterest Income$226,0004,515
Total noninterest expense$3,186,0004,029
Salaries and employee benefits$1,991,0003,476
Premises and equipment expense$426,0004,300
Additional noninterest expense$769,0004,861
Pre-tax net operating income$3,449,0002,112
Securities gains (losses)$-12,0008,439
Applicable income taxes$1,048,0002,042
Income before extraordinary items$2,389,0002,175
Extraordinary gains, net$038
Net income$2,389,0002,175
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0009,278
Cash dividends$1,530,0001,630
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,397,4002,167
1999-12-31 (YTD Data)Rank
Total interest income$12,655,0002,582
Total interest expense$6,770,0002,186
Net interest income$5,885,0002,977
Provision for loan and lease losses$65,0006,026
Total noninterest income$617,0004,347
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$408,0003,170
Trading account gains and fees$0173
Additional Noninterest Income$209,0004,843
Total noninterest expense$2,984,0004,230
Salaries and employee benefits$1,900,0003,595
Premises and equipment expense$380,0004,696
Additional noninterest expense$704,0005,219
Pre-tax net operating income$3,453,0002,125
Securities gains (losses)$11,0001,705
Applicable income taxes$1,038,0002,159
Income before extraordinary items$2,426,0002,159
Extraordinary gains, net$035
Net income$2,426,0002,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,495
Cash dividends$1,102,0002,098
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,418,3002,131
1998-12-31 (YTD Data)Rank
Total interest income$12,154,0002,683
Total interest expense$6,329,0002,380
Net interest income$5,825,0002,962
Provision for loan and lease losses$67,0005,949
Total noninterest income$594,0004,416
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$345,0003,541
Trading account gains and fees$0224
Additional Noninterest Income$249,0004,439
Total noninterest expense$2,815,0004,362
Salaries and employee benefits$1,763,0003,734
Premises and equipment expense$366,0004,735
Additional noninterest expense$686,0005,243
Pre-tax net operating income$3,537,0002,049
Securities gains (losses)$-1,0009,769
Applicable income taxes$1,116,0002,115
Income before extraordinary items$2,420,0002,154
Extraordinary gains, net$032
Net income$2,420,0002,153
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0005,860
Cash dividends$1,224,0001,918
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,420,6802,090
1997-12-31 (YTD Data)Rank
Total interest income$11,728,0002,794
Total interest expense$6,088,0002,466
Net interest income$5,640,0003,096
Provision for loan and lease losses$126,0004,509
Total noninterest income$537,0004,756
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$367,0003,476
Trading account gains and fees$0239
Additional Noninterest Income$170,0005,371
Total noninterest expense$2,749,0004,408
Salaries and employee benefits$1,624,0003,972
Premises and equipment expense$483,0003,825
Additional noninterest expense$642,0005,550
Pre-tax net operating income$3,302,0002,285
Securities gains (losses)$-26,00010,459
Applicable income taxes$1,061,0002,319
Income before extraordinary items$2,215,0002,351
Extraordinary gains, net$044
Net income$2,215,0002,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,655
Cash dividends$1,210,0001,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,232,6802,284
1996-12-31 (YTD Data)Rank
Total interest income$10,319,0003,184
Total interest expense$5,354,0002,839
Net interest income$4,965,0003,557
Provision for loan and lease losses$79,0005,643
Total noninterest income$488,0005,249
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$349,0003,762
Trading account gains and fees$0262
Additional Noninterest Income$139,0006,188
Total noninterest expense$2,669,0004,751
Salaries and employee benefits$1,601,0004,067
Premises and equipment expense$484,0003,875
Additional noninterest expense$584,0006,452
Pre-tax net operating income$2,705,0002,584
Securities gains (losses)$-3,0009,684
Applicable income taxes$832,0002,751
Income before extraordinary items$1,870,0002,605
Extraordinary gains, net$053
Net income$1,870,0002,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,232
Cash dividends$1,619,0001,490
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,872,0702,559
1995-12-31 (YTD Data)Rank
Total interest income$9,553,0003,425
Total interest expense$4,899,0003,078
Net interest income$4,654,0003,774
Provision for loan and lease losses$77,0005,197
Total noninterest income$467,0005,428
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$318,0004,084
Trading account gains and fees$0522
Additional Noninterest Income$149,0006,005
Total noninterest expense$2,648,0004,746
Salaries and employee benefits$1,524,0004,226
Premises and equipment expense$375,0004,785
Additional noninterest expense$749,0005,533
Pre-tax net operating income$2,396,0002,964
Securities gains (losses)$-33,00010,904
Applicable income taxes$744,0003,068
Income before extraordinary items$1,619,0003,029
Extraordinary gains, net$065
Net income$1,619,0003,025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,275
Cash dividends$1,004,0002,004
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,641,7702,959
1994-12-31 (YTD Data)Rank
Total interest income$7,521,0003,954
Total interest expense$3,232,0003,700
Net interest income$4,289,0004,098
Provision for loan and lease losses$9,0008,587
Total noninterest income$433,0005,826
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$267,0004,793
Trading account gains and fees$0475
Additional Noninterest Income$166,0005,884
Total noninterest expense$2,340,0005,468
Salaries and employee benefits$1,366,0004,672
Premises and equipment expense$262,0006,316
Additional noninterest expense$712,0006,238
Pre-tax net operating income$2,373,0002,973
Securities gains (losses)$-23,00010,454
Applicable income taxes$724,0003,016
Income before extraordinary items$1,626,0002,961
Extraordinary gains, net$0249
Net income$1,626,0002,967
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,066
Cash dividends$1,000,0001,879
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,641,8702,956
1993-12-31 (YTD Data)Rank
Total interest income$7,591,0004,010
Total interest expense$3,320,0003,768
Net interest income$4,271,0004,145
Provision for loan and lease losses$010,371
Total noninterest income$493,0005,658
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$286,0004,611
Trading account gains and feesNANA
Additional Noninterest Income$207,0005,557
Total noninterest expense$2,391,0005,476
Salaries and employee benefits$1,331,0004,779
Premises and equipment expense$303,0005,803
Additional noninterest expense$757,0006,193
Pre-tax net operating income$2,373,0002,840
Securities gains (losses)$07,477
Applicable income taxes$764,0002,864
Income before extraordinary items$1,609,0003,031
Extraordinary gains, net$03,149
Net income$1,609,0003,123
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-23,00012,222
Cash dividends$1,000,0001,731
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,609,0002,871
1992-12-31 (YTD Data)Rank
Total interest income$7,959,0004,305
Total interest expense$3,845,0004,211
Net interest income$4,114,0004,335
Provision for loan and lease losses$24,00010,335
Total noninterest income$397,0006,576
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$255,0005,050
Trading account gains and feesNANA
Additional Noninterest Income$142,0006,834
Total noninterest expense$2,262,0005,778
Salaries and employee benefits$1,230,0005,047
Premises and equipment expense$310,0005,827
Additional noninterest expense$722,0006,607
Pre-tax net operating income$2,225,0002,805
Securities gains (losses)$12,0006,245
Applicable income taxes$728,0002,849
Income before extraordinary items$1,509,0003,064
Extraordinary gains, net$01,422
Net income$1,509,0003,097
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-39,00013,392
Cash dividends$559,0002,546
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,500,9602,843

* 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.