Home > First National Bank in Howell > Income and Expense

First National Bank in Howell, Income and Expense

2021-09-30 (YTD Data)Rank
Total interest income$16,412,0001,403
Total interest expense$482,0002,900
Net interest income$15,930,0001,316
Provision for loan and lease losses$02,963
Total noninterest income$3,403,0001,425
Gross Fiduciary activities income$0957
Service charges on deposit accounts$414,0001,487
Trading account gains and feesNANA
Additional Noninterest Income$2,989,0001,289
Total noninterest expense$12,306,0001,364
Salaries and employee benefits$7,592,0001,294
Premises and equipment expense$991,0001,717
Additional noninterest expense$3,723,0001,333
Pre-tax net operating income$7,027,0001,385
Securities gains (losses)$3,0001,854
Applicable income taxes$1,414,0001,199
Income before extraordinary items$5,616,0001,488
Extraordinary gains, net$08
Net income$5,616,0001,488
Minority interest net income$069
Net income of bank and minority interests.$5,616,0001,488
Net charge-offs$49,0001,363
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$0543
Net operating income$5,613,6001,457
2021-06-30 (YTD Data)Rank
Total interest income$10,084,0001,498
Total interest expense$347,0002,877
Net interest income$9,737,0001,409
Provision for loan and lease losses$02,862
Total noninterest income$2,202,0001,446
Gross Fiduciary activities income$0951
Service charges on deposit accounts$251,0001,547
Trading account gains and feesNANA
Additional Noninterest Income$1,951,0001,315
Total noninterest expense$8,232,0001,354
Salaries and employee benefits$5,178,0001,268
Premises and equipment expense$675,0001,671
Additional noninterest expense$2,379,0001,371
Pre-tax net operating income$3,707,0001,608
Securities gains (losses)$01,818
Applicable income taxes$739,0001,383
Income before extraordinary items$2,968,0001,722
Extraordinary gains, net$06
Net income$2,968,0001,722
Minority interest net income$067
Net income of bank and minority interests.$2,968,0001,722
Net charge-offs$-2,0003,249
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$0517
Net operating income$2,968,0001,694
2021-03-31 (YTD Data)Rank
Total interest income$5,039,0001,499
Total interest expense$177,0002,932
Net interest income$4,862,0001,401
Provision for loan and lease losses$02,741
Total noninterest income$1,201,0001,361
Gross Fiduciary activities income$0922
Service charges on deposit accounts$133,0001,469
Trading account gains and feesNANA
Additional Noninterest Income$1,068,0001,221
Total noninterest expense$4,095,0001,340
Salaries and employee benefits$2,572,0001,260
Premises and equipment expense$349,0001,651
Additional noninterest expense$1,174,0001,354
Pre-tax net operating income$1,968,0001,542
Securities gains (losses)$01,392
Applicable income taxes$392,0001,327
Income before extraordinary items$1,576,0001,674
Extraordinary gains, net$03
Net income$1,576,0001,674
Minority interest net income$055
Net income of bank and minority interests.$1,576,0001,674
Net charge-offs$46,000869
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,576,0001,628
2020-12-31 (YTD Data)Rank
Total interest income$20,741,0001,450
Total interest expense$937,0003,037
Net interest income$19,804,0001,296
Provision for loan and lease losses$1,500,0001,247
Total noninterest income$5,205,0001,225
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$571,0001,476
Trading account gains and feesNANA
Additional Noninterest Income$4,634,0001,077
Total noninterest expense$15,331,0001,387
Salaries and employee benefits$9,840,0001,274
Premises and equipment expense$1,273,0001,720
Additional noninterest expense$4,218,0001,470
Pre-tax net operating income$8,178,0001,237
Securities gains (losses)$145,0001,193
Applicable income taxes$1,694,0001,038
Income before extraordinary items$6,629,0001,310
Extraordinary gains, net$04
Net income$6,629,0001,311
Minority interest net income$072
Net income of bank and minority interests.$6,629,0001,311
Net charge-offs$-219,0004,872
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0566
Net operating income$6,513,0001,294
2020-09-30 (YTD Data)Rank
Total interest income$15,412,0001,468
Total interest expense$745,0003,055
Net interest income$14,667,0001,299
Provision for loan and lease losses$1,000,0001,363
Total noninterest income$3,889,0001,200
Gross Fiduciary activities income$0981
Service charges on deposit accounts$421,0001,486
Trading account gains and feesNANA
Additional Noninterest Income$3,468,0001,040
Total noninterest expense$11,519,0001,367
Salaries and employee benefits$7,450,0001,254
Premises and equipment expense$956,0001,726
Additional noninterest expense$3,113,0001,470
Pre-tax net operating income$6,037,0001,204
Securities gains (losses)$145,0001,049
Applicable income taxes$1,260,0001,003
Income before extraordinary items$4,922,0001,294
Extraordinary gains, net$04
Net income$4,922,0001,294
Minority interest net income$065
Net income of bank and minority interests.$4,922,0001,294
Net charge-offs$-122,0004,850
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$0532
Net operating income$4,806,0001,276
2020-06-30 (YTD Data)Rank
Total interest income$10,023,0001,514
Total interest expense$513,0003,099
Net interest income$9,510,0001,333
Provision for loan and lease losses$500,0001,591
Total noninterest income$2,340,0001,228
Gross Fiduciary activities income$0970
Service charges on deposit accounts$289,0001,477
Trading account gains and feesNANA
Additional Noninterest Income$2,051,0001,071
Total noninterest expense$7,542,0001,381
Salaries and employee benefits$4,870,0001,270
Premises and equipment expense$642,0001,703
Additional noninterest expense$2,030,0001,480
Pre-tax net operating income$3,808,0001,205
Securities gains (losses)$2,0002,125
Applicable income taxes$775,0001,007
Income before extraordinary items$3,035,0001,296
Extraordinary gains, net$04
Net income$3,035,0001,296
Minority interest net income$065
Net income of bank and minority interests.$3,035,0001,296
Net charge-offs$-127,0004,923
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$0504
Net operating income$3,033,4001,256
2020-03-31 (YTD Data)Rank
Total interest income$4,818,0001,556
Total interest expense$263,0003,191
Net interest income$4,555,0001,357
Provision for loan and lease losses$03,711
Total noninterest income$988,0001,292
Gross Fiduciary activities income$0941
Service charges on deposit accounts$187,0001,364
Trading account gains and feesNANA
Additional Noninterest Income$801,0001,133
Total noninterest expense$3,769,0001,395
Salaries and employee benefits$2,398,0001,289
Premises and equipment expense$338,0001,659
Additional noninterest expense$1,033,0001,474
Pre-tax net operating income$1,774,0001,164
Securities gains (losses)$01,705
Applicable income taxes$361,000942
Income before extraordinary items$1,413,0001,247
Extraordinary gains, net$04
Net income$1,413,0001,247
Minority interest net income$056
Net income of bank and minority interests.$1,413,0001,247
Net charge-offs$5,0002,107
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,413,0001,225
2019-12-31 (YTD Data)Rank
Total interest income$19,006,0001,583
Total interest expense$1,043,0003,245
Net interest income$17,963,0001,361
Provision for loan and lease losses$03,973
Total noninterest income$3,741,0001,379
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$774,0001,372
Trading account gains and feesNANA
Additional Noninterest Income$2,967,0001,213
Total noninterest expense$14,590,0001,393
Salaries and employee benefits$8,971,0001,321
Premises and equipment expense$1,294,0001,700
Additional noninterest expense$4,325,0001,417
Pre-tax net operating income$7,114,0001,347
Securities gains (losses)$409,000418
Applicable income taxes$1,539,0001,094
Income before extraordinary items$5,984,0001,390
Extraordinary gains, net$011
Net income$5,984,0001,392
Minority interest net income$076
Net income of bank and minority interests.$5,984,0001,392
Net charge-offs$-256,0005,018
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$0626
Net operating income$5,656,8001,412
2019-09-30 (YTD Data)Rank
Total interest income$13,999,0001,626
Total interest expense$749,0003,334
Net interest income$13,250,0001,396
Provision for loan and lease losses$03,836
Total noninterest income$2,532,0001,466
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$571,0001,402
Trading account gains and feesNANA
Additional Noninterest Income$1,961,0001,301
Total noninterest expense$10,880,0001,404
Salaries and employee benefits$6,582,0001,347
Premises and equipment expense$983,0001,693
Additional noninterest expense$3,315,0001,398
Pre-tax net operating income$4,902,0001,466
Securities gains (losses)$500,000315
Applicable income taxes$1,098,0001,155
Income before extraordinary items$4,304,0001,464
Extraordinary gains, net$011
Net income$4,304,0001,464
Minority interest net income$072
Net income of bank and minority interests.$4,304,0001,466
Net charge-offs$-407,0005,171
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$0590
Net operating income$3,904,0001,548
2019-06-30 (YTD Data)Rank
Total interest income$9,077,0001,666
Total interest expense$453,0003,447
Net interest income$8,624,0001,429
Provision for loan and lease losses$03,685
Total noninterest income$1,549,0001,506
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$365,0001,428
Trading account gains and feesNANA
Additional Noninterest Income$1,184,0001,344
Total noninterest expense$7,257,0001,407
Salaries and employee benefits$4,332,0001,358
Premises and equipment expense$686,0001,638
Additional noninterest expense$2,239,0001,393
Pre-tax net operating income$2,916,0001,581
Securities gains (losses)$445,000240
Applicable income taxes$682,0001,186
Income before extraordinary items$2,679,0001,517
Extraordinary gains, net$011
Net income$2,679,0001,517
Minority interest net income$069
Net income of bank and minority interests.$2,679,0001,517
Net charge-offs$-153,0005,128
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$0573
Net operating income$2,323,0001,665
2019-03-31 (YTD Data)Rank
Total interest income$4,404,0001,708
Total interest expense$201,0003,598
Net interest income$4,203,0001,453
Provision for loan and lease losses$03,406
Total noninterest income$761,0001,470
Gross Fiduciary activities income$0972
Service charges on deposit accounts$185,0001,410
Trading account gains and feesNANA
Additional Noninterest Income$576,0001,318
Total noninterest expense$3,667,0001,401
Salaries and employee benefits$2,181,0001,363
Premises and equipment expense$395,0001,475
Additional noninterest expense$1,091,0001,415
Pre-tax net operating income$1,297,0001,709
Securities gains (losses)$117,000256
Applicable income taxes$284,0001,295
Income before extraordinary items$1,130,0001,712
Extraordinary gains, net$05
Net income$1,130,0001,710
Minority interest net income$052
Net income of bank and minority interests.$1,130,0001,711
Net charge-offs$60,0001,122
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,036,4001,799
2018-12-31 (YTD Data)Rank
Total interest income$16,254,0001,738
Total interest expense$534,0003,844
Net interest income$15,720,0001,527
Provision for loan and lease losses$04,082
Total noninterest income$2,838,0001,610
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$722,0001,492
Trading account gains and feesNANA
Additional Noninterest Income$2,116,0001,445
Total noninterest expense$13,161,0001,496
Salaries and employee benefits$7,799,0001,451
Premises and equipment expense$1,279,0001,719
Additional noninterest expense$4,083,0001,477
Pre-tax net operating income$5,397,0001,676
Securities gains (losses)$-1,279,0005,329
Applicable income taxes$824,0001,561
Income before extraordinary items$3,294,0002,185
Extraordinary gains, net$06
Net income$3,294,0002,183
Minority interest net income$072
Net income of bank and minority interests.$3,294,0002,184
Net charge-offs$-758,0005,340
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$0671
Net operating income$4,317,2001,788
2018-09-30 (YTD Data)Rank
Total interest income$11,604,0001,802
Total interest expense$379,0003,872
Net interest income$11,225,0001,598
Provision for loan and lease losses$03,948
Total noninterest income$2,125,0001,624
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$524,0001,543
Trading account gains and feesNANA
Additional Noninterest Income$1,601,0001,458
Total noninterest expense$9,744,0001,514
Salaries and employee benefits$5,752,0001,466
Premises and equipment expense$954,0001,743
Additional noninterest expense$3,038,0001,499
Pre-tax net operating income$3,606,0001,847
Securities gains (losses)$-1,397,0005,442
Applicable income taxes$426,0001,935
Income before extraordinary items$1,783,0002,705
Extraordinary gains, net$05
Net income$1,783,0002,704
Minority interest net income$066
Net income of bank and minority interests.$1,783,0002,704
Net charge-offs$-528,0005,390
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$2,914,5701,939
2018-06-30 (YTD Data)Rank
Total interest income$7,531,0001,824
Total interest expense$239,0003,897
Net interest income$7,292,0001,636
Provision for loan and lease losses$03,782
Total noninterest income$1,326,0001,693
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$342,0001,556
Trading account gains and feesNANA
Additional Noninterest Income$984,0001,529
Total noninterest expense$6,347,0001,548
Salaries and employee benefits$3,766,0001,490
Premises and equipment expense$640,0001,750
Additional noninterest expense$1,941,0001,549
Pre-tax net operating income$2,271,0001,905
Securities gains (losses)$-682,0005,499
Applicable income taxes$306,0001,852
Income before extraordinary items$1,283,0002,566
Extraordinary gains, net$06
Net income$1,283,0002,565
Minority interest net income$065
Net income of bank and minority interests.$1,283,0002,565
Net charge-offs$-504,0005,466
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,835,4202,000
2018-03-31 (YTD Data)Rank
Total interest income$3,687,0001,844
Total interest expense$114,0003,937
Net interest income$3,573,0001,668
Provision for loan and lease losses$03,508
Total noninterest income$665,0001,681
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$178,0001,521
Trading account gains and feesNANA
Additional Noninterest Income$487,0001,517
Total noninterest expense$3,142,0001,574
Salaries and employee benefits$1,881,0001,512
Premises and equipment expense$356,0001,625
Additional noninterest expense$905,0001,634
Pre-tax net operating income$1,096,0001,915
Securities gains (losses)$-174,0005,518
Applicable income taxes$179,0001,677
Income before extraordinary items$743,0002,282
Extraordinary gains, net$07
Net income$743,0002,280
Minority interest net income$052
Net income of bank and minority interests.$743,0002,282
Net charge-offs$-68,0005,310
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$883,9402,008
2017-12-31 (YTD Data)Rank
Total interest income$13,404,0001,935
Total interest expense$524,0003,600
Net interest income$12,880,0001,798
Provision for loan and lease losses$04,227
Total noninterest income$2,269,0001,877
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$701,0001,567
Trading account gains and feesNANA
Additional Noninterest Income$1,568,0001,769
Total noninterest expense$11,189,0001,710
Salaries and employee benefits$6,373,0001,729
Premises and equipment expense$1,173,0001,878
Additional noninterest expense$3,643,0001,646
Pre-tax net operating income$3,960,0002,058
Securities gains (losses)$-184,0005,498
Applicable income taxes$3,211,000912
Income before extraordinary items$565,0004,382
Extraordinary gains, net$09
Net income$565,0004,382
Minority interest net income$076
Net income of bank and minority interests.$565,0004,382
Net charge-offs$-71,0005,221
Cash dividends$04,147
Sale, conversion, retirement of capital stock, net$0711
Net operating income$682,7604,170
2017-09-30 (YTD Data)Rank
Total interest income$9,828,0001,976
Total interest expense$379,0003,662
Net interest income$9,449,0001,842
Provision for loan and lease losses$04,088
Total noninterest income$1,565,0002,007
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$531,0001,559
Trading account gains and feesNANA
Additional Noninterest Income$1,034,0001,934
Total noninterest expense$8,269,0001,734
Salaries and employee benefits$4,735,0001,746
Premises and equipment expense$864,0001,911
Additional noninterest expense$2,670,0001,676
Pre-tax net operating income$2,745,0002,210
Securities gains (losses)$199,000371
Applicable income taxes$972,0001,483
Income before extraordinary items$1,972,0002,435
Extraordinary gains, net$09
Net income$1,972,0002,434
Minority interest net income$071
Net income of bank and minority interests.$1,972,0002,435
Net charge-offs$-49,0005,151
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$0677
Net operating income$1,838,6702,531
2017-06-30 (YTD Data)Rank
Total interest income$6,381,0002,004
Total interest expense$257,0003,618
Net interest income$6,124,0001,865
Provision for loan and lease losses$03,871
Total noninterest income$994,0002,059
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$358,0001,539
Trading account gains and feesNANA
Additional Noninterest Income$636,0002,048
Total noninterest expense$5,428,0001,774
Salaries and employee benefits$3,142,0001,754
Premises and equipment expense$577,0001,920
Additional noninterest expense$1,709,0001,732
Pre-tax net operating income$1,690,0002,287
Securities gains (losses)$199,000288
Applicable income taxes$638,0001,485
Income before extraordinary items$1,251,0002,454
Extraordinary gains, net$011
Net income$1,251,0002,454
Minority interest net income$071
Net income of bank and minority interests.$1,251,0002,454
Net charge-offs$-29,0005,126
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,119,6602,622
2017-03-31 (YTD Data)Rank
Total interest income$3,091,0002,057
Total interest expense$137,0003,501
Net interest income$2,954,0001,926
Provision for loan and lease losses$03,537
Total noninterest income$496,0002,063
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$179,0001,536
Trading account gains and feesNANA
Additional Noninterest Income$317,0002,026
Total noninterest expense$2,713,0001,790
Salaries and employee benefits$1,586,0001,759
Premises and equipment expense$315,0001,817
Additional noninterest expense$812,0001,817
Pre-tax net operating income$737,0002,443
Securities gains (losses)$199,000157
Applicable income taxes$318,0001,447
Income before extraordinary items$618,0002,395
Extraordinary gains, net$08
Net income$618,0002,394
Minority interest net income$055
Net income of bank and minority interests.$618,0002,395
Net charge-offs$-64,0005,526
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$486,6602,780
2016-12-31 (YTD Data)Rank
Total interest income$12,320,0002,026
Total interest expense$533,0003,531
Net interest income$11,787,0001,890
Provision for loan and lease losses$-3,100,0005,885
Total noninterest income$1,973,0002,136
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$774,0001,477
Trading account gains and fees$0170
Additional Noninterest Income$1,199,0002,184
Total noninterest expense$10,871,0001,765
Salaries and employee benefits$5,932,0001,799
Premises and equipment expense$1,256,0001,788
Additional noninterest expense$3,683,0001,653
Pre-tax net operating income$5,989,0001,399
Securities gains (losses)$-835,0005,890
Applicable income taxes$-6,476,0005,896
Income before extraordinary items$11,630,000671
Extraordinary gains, net$05
Net income$11,630,000670
Minority interest net income$082
Net income of bank and minority interests.$11,630,000670
Net charge-offs$-2,208,0005,893
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$0759
Net operating income$12,465,000611
2016-09-30 (YTD Data)Rank
Total interest income$9,316,0002,021
Total interest expense$396,0003,578
Net interest income$8,920,0001,878
Provision for loan and lease losses$-2,350,0005,953
Total noninterest income$1,412,0002,204
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$589,0001,459
Trading account gains and fees$0169
Additional Noninterest Income$823,0002,284
Total noninterest expense$8,161,0001,759
Salaries and employee benefits$4,287,0001,856
Premises and equipment expense$952,0001,781
Additional noninterest expense$2,922,0001,569
Pre-tax net operating income$4,521,0001,417
Securities gains (losses)$84,0001,388
Applicable income taxes$-56,0005,865
Income before extraordinary items$4,661,0001,170
Extraordinary gains, net$05
Net income$4,661,0001,170
Minority interest net income$071
Net income of bank and minority interests.$4,661,0001,170
Net charge-offs$-2,015,0005,958
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$0719
Net operating income$4,577,0001,159
2016-06-30 (YTD Data)Rank
Total interest income$6,059,0002,066
Total interest expense$266,0003,573
Net interest income$5,793,0001,929
Provision for loan and lease losses$-1,600,0006,035
Total noninterest income$996,0002,108
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$400,0001,426
Trading account gains and fees$0157
Additional Noninterest Income$596,0002,155
Total noninterest expense$5,474,0001,754
Salaries and employee benefits$2,860,0001,868
Premises and equipment expense$640,0001,751
Additional noninterest expense$1,974,0001,553
Pre-tax net operating income$2,915,0001,429
Securities gains (losses)$75,0001,156
Applicable income taxes$-17,0005,912
Income before extraordinary items$3,007,0001,202
Extraordinary gains, net$016
Net income$3,007,0001,202
Minority interest net income$071
Net income of bank and minority interests.$3,007,0001,202
Net charge-offs$-1,116,0006,027
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$2,932,0001,178
2016-03-31 (YTD Data)Rank
Total interest income$2,714,0002,254
Total interest expense$135,0003,579
Net interest income$2,579,0002,129
Provision for loan and lease losses$-300,0006,042
Total noninterest income$538,0001,978
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$213,0001,358
Trading account gains and fees$0142
Additional Noninterest Income$325,0001,997
Total noninterest expense$2,685,0001,789
Salaries and employee benefits$1,437,0001,868
Premises and equipment expense$330,0001,732
Additional noninterest expense$918,0001,649
Pre-tax net operating income$732,0002,406
Securities gains (losses)$59,000752
Applicable income taxes$5,0003,928
Income before extraordinary items$786,0002,021
Extraordinary gains, net$012
Net income$786,0002,021
Minority interest net income$062
Net income of bank and minority interests.$786,0002,021
Net charge-offs$-95,0005,870
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$727,5902,089
2015-12-31 (YTD Data)Rank
Total interest income$10,478,0002,282
Total interest expense$550,0003,557
Net interest income$9,928,0002,151
Provision for loan and lease losses$-2,250,0006,119
Total noninterest income$2,212,0001,980
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$899,0001,337
Trading account gains and fees$0159
Additional Noninterest Income$1,313,0002,031
Total noninterest expense$10,775,0001,765
Salaries and employee benefits$5,722,0001,820
Premises and equipment expense$1,195,0001,899
Additional noninterest expense$3,858,0001,586
Pre-tax net operating income$3,615,0002,023
Securities gains (losses)$4,0002,883
Applicable income taxes$62,0003,550
Income before extraordinary items$3,557,0001,766
Extraordinary gains, net$023
Net income$3,557,0001,766
Minority interest net income$081
Net income of bank and minority interests.$3,557,0001,767
Net charge-offs$-859,0006,080
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$0804
Net operating income$3,553,0801,732
2015-09-30 (YTD Data)Rank
Total interest income$7,630,0002,353
Total interest expense$413,0003,602
Net interest income$7,217,0002,239
Provision for loan and lease losses$-1,500,0006,187
Total noninterest income$1,617,0002,027
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$676,0001,343
Trading account gains and fees$0153
Additional Noninterest Income$941,0002,107
Total noninterest expense$8,041,0001,780
Salaries and employee benefits$4,261,0001,841
Premises and equipment expense$904,0001,899
Additional noninterest expense$2,876,0001,580
Pre-tax net operating income$2,293,0002,327
Securities gains (losses)$4,0002,687
Applicable income taxes$34,0003,786
Income before extraordinary items$2,263,0002,059
Extraordinary gains, net$021
Net income$2,263,0002,060
Minority interest net income$078
Net income of bank and minority interests.$2,263,0002,060
Net charge-offs$-612,0006,139
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,259,0402,008
2015-06-30 (YTD Data)Rank
Total interest income$5,066,0002,365
Total interest expense$277,0003,624
Net interest income$4,789,0002,238
Provision for loan and lease losses$04,069
Total noninterest income$1,094,0002,018
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$457,0001,309
Trading account gains and fees$0157
Additional Noninterest Income$637,0002,087
Total noninterest expense$5,366,0001,787
Salaries and employee benefits$2,903,0001,807
Premises and equipment expense$621,0001,854
Additional noninterest expense$1,842,0001,652
Pre-tax net operating income$517,0004,127
Securities gains (losses)$-1,0005,919
Applicable income taxes$22,0003,825
Income before extraordinary items$494,0003,999
Extraordinary gains, net$022
Net income$494,0003,999
Minority interest net income$075
Net income of bank and minority interests.$494,0004,001
Net charge-offs$-356,0006,165
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$494,9603,925
2015-03-31 (YTD Data)Rank
Total interest income$2,476,0002,402
Total interest expense$140,0003,627
Net interest income$2,336,0002,286
Provision for loan and lease losses$03,703
Total noninterest income$555,0001,975
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$213,0001,370
Trading account gains and fees$0152
Additional Noninterest Income$342,0001,947
Total noninterest expense$2,710,0001,771
Salaries and employee benefits$1,471,0001,795
Premises and equipment expense$338,0001,735
Additional noninterest expense$901,0001,671
Pre-tax net operating income$181,0004,585
Securities gains (losses)$-1,0006,051
Applicable income taxes$12,0003,754
Income before extraordinary items$168,0004,544
Extraordinary gains, net$013
Net income$168,0004,546
Minority interest net income$064
Net income of bank and minority interests.$168,0004,548
Net charge-offs$-53,0005,963
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$168,9304,461
2014-12-31 (YTD Data)Rank
Total interest income$10,397,0002,318
Total interest expense$703,0003,306
Net interest income$9,694,0002,198
Provision for loan and lease losses$-2,500,0006,434
Total noninterest income$2,469,0001,817
Gross Fiduciary activities income$107,000844
Service charges on deposit accounts$1,034,0001,250
Trading account gains and fees$0180
Additional Noninterest Income$1,328,0001,923
Total noninterest expense$11,461,0001,674
Salaries and employee benefits$6,041,0001,711
Premises and equipment expense$1,279,0001,810
Additional noninterest expense$4,141,0001,514
Pre-tax net operating income$3,202,0002,168
Securities gains (losses)$2,0003,069
Applicable income taxes$20,0004,021
Income before extraordinary items$3,184,0001,911
Extraordinary gains, net$017
Net income$3,184,0001,910
Minority interest net income$084
Net income of bank and minority interests.$3,184,0001,909
Net charge-offs$-395,0006,361
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,182,0201,880
2014-09-30 (YTD Data)Rank
Total interest income$7,877,0002,309
Total interest expense$553,0003,258
Net interest income$7,324,0002,193
Provision for loan and lease losses$-2,500,0006,536
Total noninterest income$1,860,0001,825
Gross Fiduciary activities income$84,000836
Service charges on deposit accounts$800,0001,226
Trading account gains and fees$0174
Additional Noninterest Income$976,0001,963
Total noninterest expense$8,867,0001,625
Salaries and employee benefits$4,620,0001,684
Premises and equipment expense$988,0001,781
Additional noninterest expense$3,259,0001,461
Pre-tax net operating income$2,817,0001,956
Securities gains (losses)$2,0002,770
Applicable income taxes$5,0004,323
Income before extraordinary items$2,814,0001,675
Extraordinary gains, net$015
Net income$2,814,0001,676
Minority interest net income$081
Net income of bank and minority interests.$2,814,0001,675
Net charge-offs$-248,0006,378
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,812,0001,646
2014-06-30 (YTD Data)Rank
Total interest income$5,212,0002,314
Total interest expense$385,0003,199
Net interest income$4,827,0002,190
Provision for loan and lease losses$04,196
Total noninterest income$1,216,0001,826
Gross Fiduciary activities income$59,000843
Service charges on deposit accounts$554,0001,173
Trading account gains and fees$0172
Additional Noninterest Income$603,0002,054
Total noninterest expense$5,786,0001,654
Salaries and employee benefits$2,977,0001,732
Premises and equipment expense$705,0001,687
Additional noninterest expense$2,104,0001,491
Pre-tax net operating income$257,0005,077
Securities gains (losses)$2,0002,363
Applicable income taxes$5,0004,257
Income before extraordinary items$254,0004,957
Extraordinary gains, net$020
Net income$254,0004,959
Minority interest net income$080
Net income of bank and minority interests.$254,0004,960
Net charge-offs$-248,0006,489
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$252,0404,910
2014-03-31 (YTD Data)Rank
Total interest income$2,521,0002,390
Total interest expense$208,0003,080
Net interest income$2,313,0002,279
Provision for loan and lease losses$03,817
Total noninterest income$624,0001,748
Gross Fiduciary activities income$32,000838
Service charges on deposit accounts$305,0001,061
Trading account gains and fees$0147
Additional Noninterest Income$287,0002,054
Total noninterest expense$2,848,0001,681
Salaries and employee benefits$1,502,0001,729
Premises and equipment expense$329,0001,827
Additional noninterest expense$1,017,0001,537
Pre-tax net operating income$89,0005,375
Securities gains (losses)$01,715
Applicable income taxes$5,0004,041
Income before extraordinary items$84,0005,337
Extraordinary gains, net$016
Net income$84,0005,338
Minority interest net income$066
Net income of bank and minority interests.$84,0005,338
Net charge-offs$-25,0006,111
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$84,0005,297
2013-12-31 (YTD Data)Rank
Total interest income$10,603,0002,293
Total interest expense$925,0003,124
Net interest income$9,678,0002,157
Provision for loan and lease losses$-2,250,0006,734
Total noninterest income$2,813,0001,682
Gross Fiduciary activities income$148,000822
Service charges on deposit accounts$1,369,0001,010
Trading account gains and fees$0184
Additional Noninterest Income$1,296,0002,029
Total noninterest expense$11,603,0001,661
Salaries and employee benefits$5,369,0001,899
Premises and equipment expense$1,226,0001,879
Additional noninterest expense$5,008,0001,340
Pre-tax net operating income$3,138,0002,101
Securities gains (losses)$03,182
Applicable income taxes$104,0003,388
Income before extraordinary items$3,034,0001,882
Extraordinary gains, net$029
Net income$3,034,0001,884
Minority interest net income$090
Net income of bank and minority interests.$3,034,0001,884
Net charge-offs$305,0002,562
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$3,034,0001,850
2013-09-30 (YTD Data)Rank
Total interest income$8,062,0002,270
Total interest expense$698,0003,176
Net interest income$7,364,0002,133
Provision for loan and lease losses$-2,250,0006,831
Total noninterest income$2,104,0001,722
Gross Fiduciary activities income$115,000816
Service charges on deposit accounts$978,0001,059
Trading account gains and fees$0180
Additional Noninterest Income$1,011,0002,028
Total noninterest expense$8,633,0001,684
Salaries and employee benefits$3,974,0001,928
Premises and equipment expense$940,0001,853
Additional noninterest expense$3,719,0001,344
Pre-tax net operating income$3,085,0001,696
Securities gains (losses)$03,040
Applicable income taxes$104,0003,295
Income before extraordinary items$2,981,0001,516
Extraordinary gains, net$025
Net income$2,981,0001,518
Minority interest net income$084
Net income of bank and minority interests.$2,981,0001,519
Net charge-offs$351,0001,960
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,981,0001,472
2013-06-30 (YTD Data)Rank
Total interest income$5,362,0002,280
Total interest expense$466,0003,236
Net interest income$4,896,0002,134
Provision for loan and lease losses$-2,250,0006,894
Total noninterest income$1,384,0001,757
Gross Fiduciary activities income$79,000817
Service charges on deposit accounts$611,0001,109
Trading account gains and fees$0157
Additional Noninterest Income$694,0002,032
Total noninterest expense$5,731,0001,678
Salaries and employee benefits$2,629,0001,957
Premises and equipment expense$631,0001,844
Additional noninterest expense$2,471,0001,338
Pre-tax net operating income$2,799,0001,315
Securities gains (losses)$02,791
Applicable income taxes$104,0002,984
Income before extraordinary items$2,695,0001,135
Extraordinary gains, net$022
Net income$2,695,0001,136
Minority interest net income$082
Net income of bank and minority interests.$2,695,0001,137
Net charge-offs$85,0002,906
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$2,695,0001,094
2013-03-31 (YTD Data)Rank
Total interest income$2,764,0002,246
Total interest expense$235,0003,308
Net interest income$2,529,0002,080
Provision for loan and lease losses$-2,250,0006,997
Total noninterest income$689,0001,751
Gross Fiduciary activities income$42,000810
Service charges on deposit accounts$368,000904
Trading account gains and fees$0148
Additional Noninterest Income$279,0002,318
Total noninterest expense$2,835,0001,719
Salaries and employee benefits$1,288,0002,013
Premises and equipment expense$330,0001,802
Additional noninterest expense$1,217,0001,344
Pre-tax net operating income$2,633,000733
Securities gains (losses)$01,966
Applicable income taxes$-42,0006,852
Income before extraordinary items$2,675,000614
Extraordinary gains, net$010
Net income$2,675,000612
Minority interest net income$076
Net income of bank and minority interests.$2,675,000616
Net charge-offs$15,0003,259
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$2,675,000582
2012-12-31 (YTD Data)Rank
Total interest income$11,196,0002,323
Total interest expense$1,092,0003,406
Net interest income$10,104,0002,127
Provision for loan and lease losses$1,325,0001,450
Total noninterest income$2,923,0001,664
Gross Fiduciary activities income$178,000805
Service charges on deposit accounts$1,537,000924
Trading account gains and fees$0166
Additional Noninterest Income$1,208,0002,132
Total noninterest expense$11,316,0001,703
Salaries and employee benefits$4,962,0002,023
Premises and equipment expense$1,131,0002,048
Additional noninterest expense$5,223,0001,301
Pre-tax net operating income$386,0005,194
Securities gains (losses)$-3,0006,658
Applicable income taxes$-104,0006,706
Income before extraordinary items$487,0004,971
Extraordinary gains, net$029
Net income$487,0004,971
Minority interest net income$093
Net income of bank and minority interests.$487,0004,972
Net charge-offs$2,246,0001,064
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$490,0004,771
2012-09-30 (YTD Data)Rank
Total interest income$8,546,0002,330
Total interest expense$847,0003,442
Net interest income$7,699,0002,131
Provision for loan and lease losses$1,200,0001,254
Total noninterest income$2,126,0001,710
Gross Fiduciary activities income$134,000801
Service charges on deposit accounts$1,135,000949
Trading account gains and fees$0157
Additional Noninterest Income$857,0002,201
Total noninterest expense$8,469,0001,713
Salaries and employee benefits$3,725,0002,024
Premises and equipment expense$842,0002,082
Additional noninterest expense$3,902,0001,302
Pre-tax net operating income$156,0005,838
Securities gains (losses)$-3,0006,801
Applicable income taxes$-19,0006,787
Income before extraordinary items$172,0005,841
Extraordinary gains, net$020
Net income$172,0005,840
Minority interest net income$086
Net income of bank and minority interests.$172,0005,840
Net charge-offs$2,125,000890
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$175,0005,658
2012-06-30 (YTD Data)Rank
Total interest income$5,788,0002,311
Total interest expense$584,0003,464
Net interest income$5,204,0002,105
Provision for loan and lease losses$900,0001,191
Total noninterest income$1,384,0001,723
Gross Fiduciary activities income$91,000803
Service charges on deposit accounts$753,000942
Trading account gains and fees$0153
Additional Noninterest Income$540,0002,234
Total noninterest expense$5,657,0001,716
Salaries and employee benefits$2,475,0002,025
Premises and equipment expense$577,0002,029
Additional noninterest expense$2,605,0001,305
Pre-tax net operating income$31,0006,183
Securities gains (losses)$-3,0006,872
Applicable income taxes$04,770
Income before extraordinary items$28,0006,344
Extraordinary gains, net$019
Net income$28,0006,343
Minority interest net income$084
Net income of bank and minority interests.$28,0006,344
Net charge-offs$1,428,000887
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$31,0006,183
2012-03-31 (YTD Data)Rank
Total interest income$2,946,0002,300
Total interest expense$308,0003,457
Net interest income$2,638,0002,083
Provision for loan and lease losses$450,0001,139
Total noninterest income$700,0001,708
Gross Fiduciary activities income$46,000815
Service charges on deposit accounts$375,000937
Trading account gains and fees$0148
Additional Noninterest Income$279,0002,203
Total noninterest expense$2,812,0001,712
Salaries and employee benefits$1,242,0002,022
Premises and equipment expense$324,0001,830
Additional noninterest expense$1,246,0001,351
Pre-tax net operating income$76,0005,646
Securities gains (losses)$02,210
Applicable income taxes$04,704
Income before extraordinary items$76,0005,657
Extraordinary gains, net$019
Net income$76,0005,657
Minority interest net income$078
Net income of bank and minority interests.$76,0005,657
Net charge-offs$1,377,000542
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$76,0005,501
2011-12-31 (YTD Data)Rank
Total interest income$12,864,0002,171
Total interest expense$1,571,0003,334
Net interest income$11,293,0001,942
Provision for loan and lease losses$6,200,000662
Total noninterest income$2,474,0001,726
Gross Fiduciary activities income$202,000740
Service charges on deposit accounts$1,483,000993
Trading account gains and fees$0146
Additional Noninterest Income$789,0002,477
Total noninterest expense$11,268,0001,723
Salaries and employee benefits$4,840,0001,998
Premises and equipment expense$1,268,0001,953
Additional noninterest expense$5,160,0001,342
Pre-tax net operating income$-3,701,0006,980
Securities gains (losses)$336,0001,052
Applicable income taxes$04,719
Income before extraordinary items$-3,365,0006,981
Extraordinary gains, net$029
Net income$-3,365,0006,982
Minority interest net income$096
Net income of bank and minority interests.$-3,365,0006,982
Net charge-offs$7,480,000586
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$-3,701,0006,987
2011-09-30 (YTD Data)Rank
Total interest income$9,748,0002,174
Total interest expense$1,225,0003,352
Net interest income$8,523,0001,937
Provision for loan and lease losses$5,400,000577
Total noninterest income$1,794,0001,750
Gross Fiduciary activities income$153,000731
Service charges on deposit accounts$1,117,000995
Trading account gains and fees$0145
Additional Noninterest Income$524,0002,638
Total noninterest expense$8,397,0001,730
Salaries and employee benefits$3,614,0002,000
Premises and equipment expense$944,0001,992
Additional noninterest expense$3,839,0001,344
Pre-tax net operating income$-3,480,0007,142
Securities gains (losses)$-76,0007,196
Applicable income taxes$-129,0007,029
Income before extraordinary items$-3,427,0007,185
Extraordinary gains, net$021
Net income$-3,427,0007,183
Minority interest net income$087
Net income of bank and minority interests.$-3,427,0007,185
Net charge-offs$6,260,000521
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$-3,354,0407,165
2011-06-30 (YTD Data)Rank
Total interest income$6,598,0002,164
Total interest expense$851,0003,352
Net interest income$5,747,0001,920
Provision for loan and lease losses$4,600,000477
Total noninterest income$1,310,0001,630
Gross Fiduciary activities income$103,000744
Service charges on deposit accounts$738,000988
Trading account gains and fees$0153
Additional Noninterest Income$469,0002,194
Total noninterest expense$5,604,0001,742
Salaries and employee benefits$2,382,0002,042
Premises and equipment expense$661,0001,909
Additional noninterest expense$2,561,0001,366
Pre-tax net operating income$-3,147,0007,283
Securities gains (losses)$02,914
Applicable income taxes$-78,0007,073
Income before extraordinary items$-3,069,0007,298
Extraordinary gains, net$015
Net income$-3,069,0007,297
Minority interest net income$089
Net income of bank and minority interests.$-3,069,0007,298
Net charge-offs$5,516,000428
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$-3,069,0007,286
2011-03-31 (YTD Data)Rank
Total interest income$3,265,0002,197
Total interest expense$451,0003,304
Net interest income$2,814,0001,952
Provision for loan and lease losses$800,0001,013
Total noninterest income$650,0001,656
Gross Fiduciary activities income$54,000732
Service charges on deposit accounts$355,0001,013
Trading account gains and fees$0158
Additional Noninterest Income$241,0002,201
Total noninterest expense$2,873,0001,718
Salaries and employee benefits$1,212,0002,022
Premises and equipment expense$350,0001,851
Additional noninterest expense$1,311,0001,344
Pre-tax net operating income$-209,0006,837
Securities gains (losses)$01,772
Applicable income taxes$04,545
Income before extraordinary items$-209,0006,893
Extraordinary gains, net$09
Net income$-209,0006,893
Minority interest net income$086
Net income of bank and minority interests.$-209,0006,893
Net charge-offs$1,036,000839
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$-209,0006,881
2010-12-31 (YTD Data)Rank
Total interest income$14,424,0002,084
Total interest expense$2,496,0002,993
Net interest income$11,928,0001,843
Provision for loan and lease losses$5,975,000998
Total noninterest income$2,649,0001,689
Gross Fiduciary activities income$239,000725
Service charges on deposit accounts$1,798,000847
Trading account gains and fees$0175
Additional Noninterest Income$612,0002,880
Total noninterest expense$12,706,0001,562
Salaries and employee benefits$5,100,0001,903
Premises and equipment expense$1,387,0001,856
Additional noninterest expense$6,219,0001,189
Pre-tax net operating income$-4,104,0007,042
Securities gains (losses)$329,0001,181
Applicable income taxes$57,0003,566
Income before extraordinary items$-3,832,0007,085
Extraordinary gains, net$029
Net income$-3,832,0007,085
Minority interest net income$0111
Net income of bank and minority interests.$-3,832,0007,086
Net charge-offs$10,670,000577
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$-4,161,0007,096
2010-09-30 (YTD Data)Rank
Total interest income$10,927,0002,109
Total interest expense$1,983,0002,973
Net interest income$8,944,0001,876
Provision for loan and lease losses$3,600,0001,122
Total noninterest income$2,063,0001,653
Gross Fiduciary activities income$187,000700
Service charges on deposit accounts$1,404,000824
Trading account gains and fees$0165
Additional Noninterest Income$472,0002,851
Total noninterest expense$9,638,0001,535
Salaries and employee benefits$3,929,0001,853
Premises and equipment expense$1,073,0001,804
Additional noninterest expense$4,636,0001,170
Pre-tax net operating income$-2,231,0007,103
Securities gains (losses)$03,651
Applicable income taxes$-70,0007,019
Income before extraordinary items$-2,161,0007,162
Extraordinary gains, net$023
Net income$-2,161,0007,160
Minority interest net income$0110
Net income of bank and minority interests.$-2,161,0007,162
Net charge-offs$9,250,000486
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-2,161,0007,142
2010-06-30 (YTD Data)Rank
Total interest income$7,399,0002,105
Total interest expense$1,369,0002,991
Net interest income$6,030,0001,855
Provision for loan and lease losses$2,400,0001,109
Total noninterest income$1,409,0001,579
Gross Fiduciary activities income$129,000697
Service charges on deposit accounts$965,000798
Trading account gains and fees$0152
Additional Noninterest Income$315,0002,770
Total noninterest expense$6,528,0001,512
Salaries and employee benefits$2,706,0001,821
Premises and equipment expense$714,0001,832
Additional noninterest expense$3,108,0001,151
Pre-tax net operating income$-1,489,0007,161
Securities gains (losses)$03,184
Applicable income taxes$-1,0006,843
Income before extraordinary items$-1,488,0007,238
Extraordinary gains, net$019
Net income$-1,488,0007,237
Minority interest net income$0105
Net income of bank and minority interests.$-1,488,0007,238
Net charge-offs$7,208,000424
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-1,488,0007,227
2010-03-31 (YTD Data)Rank
Total interest income$3,777,0002,111
Total interest expense$710,0003,030
Net interest income$3,067,0001,847
Provision for loan and lease losses$1,200,0001,029
Total noninterest income$773,0001,487
Gross Fiduciary activities income$72,000682
Service charges on deposit accounts$488,000799
Trading account gains and fees$0175
Additional Noninterest Income$213,0002,301
Total noninterest expense$3,307,0001,521
Salaries and employee benefits$1,399,0001,789
Premises and equipment expense$375,0001,813
Additional noninterest expense$1,533,0001,148
Pre-tax net operating income$-667,0007,278
Securities gains (losses)$02,284
Applicable income taxes$-61,0007,364
Income before extraordinary items$-606,0007,315
Extraordinary gains, net$016
Net income$-606,0007,315
Minority interest net income$091
Net income of bank and minority interests.$-606,0007,316
Net charge-offs$4,065,000396
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$-606,0007,298
2009-12-31 (YTD Data)Rank
Total interest income$18,141,0001,869
Total interest expense$4,631,0002,424
Net interest income$13,510,0001,665
Provision for loan and lease losses$15,847,000582
Total noninterest income$2,543,0001,806
Gross Fiduciary activities income$336,000640
Service charges on deposit accounts$2,025,000854
Trading account gains and fees$0211
Additional Noninterest Income$182,0004,794
Total noninterest expense$14,994,0001,365
Salaries and employee benefits$6,532,0001,528
Premises and equipment expense$1,521,0001,777
Additional noninterest expense$6,941,0001,120
Pre-tax net operating income$-14,788,0007,626
Securities gains (losses)$102,0002,123
Applicable income taxes$-1,084,0007,306
Income before extraordinary items$-13,602,0007,648
Extraordinary gains, net$034
Net income$-13,602,0007,646
Minority interest net income$0115
Net income of bank and minority interests.$-13,602,0007,647
Net charge-offs$11,320,000624
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-13,696,8607,644
2009-09-30 (YTD Data)Rank
Total interest income$14,140,0001,840
Total interest expense$3,742,0002,355
Net interest income$10,398,0001,617
Provision for loan and lease losses$14,647,000471
Total noninterest income$1,940,0001,818
Gross Fiduciary activities income$259,000631
Service charges on deposit accounts$1,469,000875
Trading account gains and fees$0212
Additional Noninterest Income$212,0004,186
Total noninterest expense$11,369,0001,344
Salaries and employee benefits$5,019,0001,512
Premises and equipment expense$1,141,0001,792
Additional noninterest expense$5,209,0001,085
Pre-tax net operating income$-13,678,0007,811
Securities gains (losses)$92,0001,900
Applicable income taxes$468,0001,472
Income before extraordinary items$-14,054,0007,845
Extraordinary gains, net$027
Net income$-14,054,0007,844
Minority interest net income$0118
Net income of bank and minority interests.$-14,054,0007,844
Net charge-offs$9,336,000530
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-14,146,0007,846
2009-06-30 (YTD Data)Rank
Total interest income$9,713,0001,812
Total interest expense$2,639,0002,326
Net interest income$7,074,0001,581
Provision for loan and lease losses$12,897,000391
Total noninterest income$947,0002,261
Gross Fiduciary activities income$168,000638
Service charges on deposit accounts$924,000922
Trading account gains and fees$0193
Additional Noninterest Income$-145,0007,994
Total noninterest expense$7,370,0001,406
Salaries and employee benefits$3,427,0001,511
Premises and equipment expense$783,0001,772
Additional noninterest expense$3,160,0001,203
Pre-tax net operating income$-12,246,0007,951
Securities gains (losses)$77,0001,648
Applicable income taxes$468,0001,141
Income before extraordinary items$-12,637,0007,982
Extraordinary gains, net$021
Net income$-12,637,0007,981
Minority interest net income$0112
Net income of bank and minority interests.$-12,637,0007,981
Net charge-offs$6,336,000503
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-12,714,0007,985
2009-03-31 (YTD Data)Rank
Total interest income$4,999,0001,789
Total interest expense$1,369,0002,324
Net interest income$3,630,0001,535
Provision for loan and lease losses$1,200,0001,046
Total noninterest income$531,0002,041
Gross Fiduciary activities income$82,000649
Service charges on deposit accounts$389,0001,066
Trading account gains and fees$0171
Additional Noninterest Income$60,0004,510
Total noninterest expense$3,575,0001,391
Salaries and employee benefits$1,692,0001,544
Premises and equipment expense$443,0001,607
Additional noninterest expense$1,440,0001,155
Pre-tax net operating income$-614,0007,428
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$-614,0007,537
Extraordinary gains, net$015
Net income$-614,0007,538
Minority interest net income$0102
Net income of bank and minority interests.$-614,0007,538
Net charge-offs$2,285,000552
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-614,0007,518
2008-12-31 (YTD Data)Rank
Total interest income$24,592,0001,580
Total interest expense$8,105,0001,948
Net interest income$16,487,0001,353
Provision for loan and lease losses$14,855,000453
Total noninterest income$2,792,0001,669
Gross Fiduciary activities income$375,000628
Service charges on deposit accounts$1,793,000998
Trading account gains and fees$0154
Additional Noninterest Income$624,0002,829
Total noninterest expense$14,594,0001,336
Salaries and employee benefits$6,788,0001,528
Premises and equipment expense$1,664,0001,656
Additional noninterest expense$6,142,0001,050
Pre-tax net operating income$-10,170,0007,992
Securities gains (losses)$-3,237,0008,014
Applicable income taxes$-127,0007,132
Income before extraordinary items$-13,280,0008,042
Extraordinary gains, net$039
Net income$-13,280,0008,042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,470,000369
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-10,075,3708,031
2008-09-30 (YTD Data)Rank
Total interest income$19,188,0001,555
Total interest expense$6,504,0001,895
Net interest income$12,684,0001,334
Provision for loan and lease losses$10,045,000404
Total noninterest income$2,192,0001,664
Gross Fiduciary activities income$290,000628
Service charges on deposit accounts$1,372,000984
Trading account gains and fees$0148
Additional Noninterest Income$530,0002,722
Total noninterest expense$10,939,0001,314
Salaries and employee benefits$5,319,0001,480
Premises and equipment expense$1,251,0001,668
Additional noninterest expense$4,369,0001,050
Pre-tax net operating income$-6,108,0008,160
Securities gains (losses)$-1,772,0008,025
Applicable income taxes$-2,324,0008,204
Income before extraordinary items$-5,556,0008,144
Extraordinary gains, net$031
Net income$-5,556,0008,143
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,802,000400
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-4,297,8808,144
2008-06-30 (YTD Data)Rank
Total interest income$13,089,0001,545
Total interest expense$4,620,0001,869
Net interest income$8,469,0001,328
Provision for loan and lease losses$8,900,000299
Total noninterest income$1,424,0001,714
Gross Fiduciary activities income$196,000637
Service charges on deposit accounts$898,000982
Trading account gains and fees$0149
Additional Noninterest Income$330,0002,880
Total noninterest expense$7,247,0001,321
Salaries and employee benefits$3,621,0001,448
Premises and equipment expense$878,0001,583
Additional noninterest expense$2,748,0001,095
Pre-tax net operating income$-6,254,0008,316
Securities gains (losses)$03,233
Applicable income taxes$-2,300,0008,344
Income before extraordinary items$-3,954,0008,298
Extraordinary gains, net$021
Net income$-3,954,0008,297
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,520,000381
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-3,954,0008,294
2008-03-31 (YTD Data)Rank
Total interest income$6,771,0001,529
Total interest expense$2,610,0001,807
Net interest income$4,161,0001,330
Provision for loan and lease losses$689,000811
Total noninterest income$779,0001,596
Gross Fiduciary activities income$100,000645
Service charges on deposit accounts$445,000974
Trading account gains and fees$0158
Additional Noninterest Income$234,0002,325
Total noninterest expense$3,427,0001,392
Salaries and employee benefits$1,721,0001,549
Premises and equipment expense$474,0001,467
Additional noninterest expense$1,232,0001,165
Pre-tax net operating income$824,0002,088
Securities gains (losses)$02,688
Applicable income taxes$194,0002,016
Income before extraordinary items$630,0002,216
Extraordinary gains, net$015
Net income$630,0002,219
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$891,000495
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$630,0002,142
2007-12-31 (YTD Data)Rank
Total interest income$30,645,0001,402
Total interest expense$11,885,0001,691
Net interest income$18,760,0001,185
Provision for loan and lease losses$14,030,000202
Total noninterest income$-1,274,0008,520
Gross Fiduciary activities income$402,000642
Service charges on deposit accounts$2,018,000886
Trading account gains and fees$0178
Additional Noninterest Income$-3,694,0008,539
Total noninterest expense$13,161,0001,408
Salaries and employee benefits$6,644,0001,523
Premises and equipment expense$1,706,0001,557
Additional noninterest expense$4,811,0001,179
Pre-tax net operating income$-9,705,0008,479
Securities gains (losses)$-548,0008,381
Applicable income taxes$-3,783,0008,486
Income before extraordinary items$-6,470,0008,468
Extraordinary gains, net$039
Net income$-6,470,0008,465
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,905,000169
Cash dividends$3,145,0001,144
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-6,119,2808,460
2007-09-30 (YTD Data)Rank
Total interest income$23,510,0001,369
Total interest expense$9,087,0001,648
Net interest income$14,423,0001,160
Provision for loan and lease losses$11,838,000138
Total noninterest income$-2,074,0008,551
Gross Fiduciary activities income$296,000645
Service charges on deposit accounts$1,511,000874
Trading account gains and fees$0184
Additional Noninterest Income$-3,881,0008,564
Total noninterest expense$9,931,0001,381
Salaries and employee benefits$5,092,0001,490
Premises and equipment expense$1,240,0001,604
Additional noninterest expense$3,599,0001,151
Pre-tax net operating income$-9,420,0008,546
Securities gains (losses)$-548,0008,464
Applicable income taxes$-3,691,0008,541
Income before extraordinary items$-6,277,0008,540
Extraordinary gains, net$033
Net income$-6,277,0008,537
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,385,000121
Cash dividends$2,525,0001,008
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-5,926,2808,531
2007-06-30 (YTD Data)Rank
Total interest income$15,968,0001,342
Total interest expense$6,143,0001,641
Net interest income$9,825,0001,155
Provision for loan and lease losses$7,474,000133
Total noninterest income$1,518,0001,655
Gross Fiduciary activities income$194,000653
Service charges on deposit accounts$1,000,000895
Trading account gains and fees$0168
Additional Noninterest Income$324,0002,897
Total noninterest expense$6,859,0001,357
Salaries and employee benefits$3,528,0001,458
Premises and equipment expense$825,0001,621
Additional noninterest expense$2,506,0001,115
Pre-tax net operating income$-2,990,0008,577
Securities gains (losses)$-553,0008,535
Applicable income taxes$-1,365,0008,589
Income before extraordinary items$-2,178,0008,571
Extraordinary gains, net$029
Net income$-2,178,0008,568
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,265,000109
Cash dividends$2,324,000773
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-1,824,0808,549
2007-03-31 (YTD Data)Rank
Total interest income$8,013,0001,330
Total interest expense$3,049,0001,639
Net interest income$4,964,0001,130
Provision for loan and lease losses$939,000314
Total noninterest income$758,0001,629
Gross Fiduciary activities income$93,000673
Service charges on deposit accounts$488,000885
Trading account gains and fees$0195
Additional Noninterest Income$177,0002,735
Total noninterest expense$3,402,0001,369
Salaries and employee benefits$1,879,0001,364
Premises and equipment expense$411,0001,630
Additional noninterest expense$1,112,0001,221
Pre-tax net operating income$1,381,0001,657
Securities gains (losses)$01,187
Applicable income taxes$389,0001,558
Income before extraordinary items$992,0001,723
Extraordinary gains, net$022
Net income$992,0001,723
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$673,000331
Cash dividends$1,688,000537
Sale, conversion, retirement of capital stock, net$0885
Net operating income$992,0001,710
2006-12-31 (YTD Data)Rank
Total interest income$32,389,0001,213
Total interest expense$10,295,0001,635
Net interest income$22,094,0001,008
Provision for loan and lease losses$2,639,000433
Total noninterest income$3,167,0001,539
Gross Fiduciary activities income$334,000690
Service charges on deposit accounts$2,227,000793
Trading account gains and fees$0130
Additional Noninterest Income$606,0002,992
Total noninterest expense$14,551,0001,233
Salaries and employee benefits$7,926,0001,229
Premises and equipment expense$1,693,0001,525
Additional noninterest expense$4,932,0001,085
Pre-tax net operating income$8,071,0001,218
Securities gains (losses)$01,687
Applicable income taxes$2,390,0001,152
Income before extraordinary items$5,681,0001,276
Extraordinary gains, net$051
Net income$5,681,0001,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,156,000364
Cash dividends$5,549,000641
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,681,0001,263
2006-09-30 (YTD Data)Rank
Total interest income$24,245,0001,225
Total interest expense$7,288,0001,683
Net interest income$16,957,0001,003
Provision for loan and lease losses$2,139,000374
Total noninterest income$2,609,0001,452
Gross Fiduciary activities income$250,000682
Service charges on deposit accounts$1,687,000793
Trading account gains and fees$0126
Additional Noninterest Income$672,0002,374
Total noninterest expense$11,099,0001,234
Salaries and employee benefits$6,121,0001,210
Premises and equipment expense$1,262,0001,541
Additional noninterest expense$3,716,0001,094
Pre-tax net operating income$6,328,0001,216
Securities gains (losses)$01,388
Applicable income taxes$1,889,0001,139
Income before extraordinary items$4,439,0001,277
Extraordinary gains, net$045
Net income$4,439,0001,277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,808,000292
Cash dividends$3,695,000702
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,439,0001,264
2006-06-30 (YTD Data)Rank
Total interest income$16,091,0001,213
Total interest expense$4,496,0001,722
Net interest income$11,595,000975
Provision for loan and lease losses$1,354,000377
Total noninterest income$1,725,0001,450
Gross Fiduciary activities income$163,000690
Service charges on deposit accounts$1,135,000770
Trading account gains and fees$0126
Additional Noninterest Income$427,0002,455
Total noninterest expense$7,648,0001,196
Salaries and employee benefits$4,367,0001,126
Premises and equipment expense$863,0001,505
Additional noninterest expense$2,418,0001,121
Pre-tax net operating income$4,318,0001,175
Securities gains (losses)$01,185
Applicable income taxes$1,286,0001,132
Income before extraordinary items$3,032,0001,231
Extraordinary gains, net$039
Net income$3,032,0001,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$852,000383
Cash dividends$2,003,000794
Sale, conversion, retirement of capital stock, net$0887
Net operating income$3,032,0001,216
2006-03-31 (YTD Data)Rank
Total interest income$8,030,0001,190
Total interest expense$2,092,0001,751
Net interest income$5,938,000953
Provision for loan and lease losses$600,000400
Total noninterest income$834,0001,465
Gross Fiduciary activities income$73,000734
Service charges on deposit accounts$558,000762
Trading account gains and fees$0115
Additional Noninterest Income$203,0002,467
Total noninterest expense$3,835,0001,192
Salaries and employee benefits$2,138,0001,156
Premises and equipment expense$446,0001,462
Additional noninterest expense$1,251,0001,070
Pre-tax net operating income$2,337,0001,063
Securities gains (losses)$0955
Applicable income taxes$704,0001,046
Income before extraordinary items$1,633,0001,141
Extraordinary gains, net$021
Net income$1,633,0001,140
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$366,000406
Cash dividends$870,000848
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,633,0001,123
2005-12-31 (YTD Data)Rank
Total interest income$29,814,0001,108
Total interest expense$7,054,0001,618
Net interest income$22,760,000934
Provision for loan and lease losses$3,037,000356
Total noninterest income$3,303,0001,481
Gross Fiduciary activities income$284,000730
Service charges on deposit accounts$2,198,000792
Trading account gains and fees$0138
Additional Noninterest Income$821,0002,495
Total noninterest expense$13,536,0001,269
Salaries and employee benefits$7,230,0001,284
Premises and equipment expense$1,797,0001,368
Additional noninterest expense$4,509,0001,132
Pre-tax net operating income$9,490,0001,027
Securities gains (losses)$02,296
Applicable income taxes$2,884,000986
Income before extraordinary items$6,606,0001,099
Extraordinary gains, net$046
Net income$6,606,0001,099
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,992,000396
Cash dividends$1,975,0001,497
Sale, conversion, retirement of capital stock, net$0934
Net operating income$6,606,0001,080
2005-09-30 (YTD Data)Rank
Total interest income$21,927,0001,090
Total interest expense$5,068,0001,590
Net interest income$16,859,000938
Provision for loan and lease losses$2,044,000374
Total noninterest income$2,543,0001,470
Gross Fiduciary activities income$217,000706
Service charges on deposit accounts$1,651,000788
Trading account gains and fees$0126
Additional Noninterest Income$675,0002,369
Total noninterest expense$10,445,0001,230
Salaries and employee benefits$5,636,0001,222
Premises and equipment expense$1,349,0001,352
Additional noninterest expense$3,460,0001,089
Pre-tax net operating income$6,913,0001,047
Securities gains (losses)$02,317
Applicable income taxes$2,088,0001,025
Income before extraordinary items$4,825,0001,124
Extraordinary gains, net$035
Net income$4,825,0001,124
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$830,000567
Cash dividends$1,450,0001,388
Sale, conversion, retirement of capital stock, net$0769
Net operating income$4,825,0001,102
2005-06-30 (YTD Data)Rank
Total interest income$14,195,0001,088
Total interest expense$3,162,0001,603
Net interest income$11,033,000947
Provision for loan and lease losses$1,544,000333
Total noninterest income$1,656,0001,475
Gross Fiduciary activities income$129,000730
Service charges on deposit accounts$1,073,000787
Trading account gains and fees$0116
Additional Noninterest Income$454,0002,335
Total noninterest expense$7,058,0001,198
Salaries and employee benefits$3,814,0001,200
Premises and equipment expense$912,0001,324
Additional noninterest expense$2,332,0001,076
Pre-tax net operating income$4,087,0001,140
Securities gains (losses)$02,146
Applicable income taxes$1,202,0001,168
Income before extraordinary items$2,885,0001,221
Extraordinary gains, net$030
Net income$2,885,0001,222
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$526,000571
Cash dividends$978,0001,360
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,885,0001,196
2005-03-31 (YTD Data)Rank
Total interest income$6,914,0001,095
Total interest expense$1,477,0001,611
Net interest income$5,437,000954
Provision for loan and lease losses$366,000647
Total noninterest income$820,0001,462
Gross Fiduciary activities income$65,000744
Service charges on deposit accounts$509,000801
Trading account gains and fees$0115
Additional Noninterest Income$246,0002,181
Total noninterest expense$3,482,0001,214
Salaries and employee benefits$1,969,0001,159
Premises and equipment expense$474,0001,269
Additional noninterest expense$1,039,0001,189
Pre-tax net operating income$2,409,000975
Securities gains (losses)$01,685
Applicable income taxes$735,000967
Income before extraordinary items$1,674,0001,041
Extraordinary gains, net$024
Net income$1,674,0001,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$408,000404
Cash dividends$505,0001,193
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,674,0001,015
2004-12-31 (YTD Data)Rank
Total interest income$25,454,0001,117
Total interest expense$5,606,0001,468
Net interest income$19,848,000999
Provision for loan and lease losses$1,190,000906
Total noninterest income$3,605,0001,390
Gross Fiduciary activities income$247,000739
Service charges on deposit accounts$2,147,000814
Trading account gains and fees$0138
Additional Noninterest Income$1,211,0001,894
Total noninterest expense$13,176,0001,248
Salaries and employee benefits$7,237,0001,199
Premises and equipment expense$1,755,0001,320
Additional noninterest expense$4,184,0001,177
Pre-tax net operating income$9,087,000961
Securities gains (losses)$03,819
Applicable income taxes$2,728,000967
Income before extraordinary items$6,359,0001,035
Extraordinary gains, net$034
Net income$6,359,0001,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$748,000952
Cash dividends$1,680,0001,588
Sale, conversion, retirement of capital stock, net$0872
Net operating income$6,359,0001,001
2004-09-30 (YTD Data)Rank
Total interest income$18,652,0001,120
Total interest expense$4,144,0001,459
Net interest income$14,508,0001,018
Provision for loan and lease losses$995,000783
Total noninterest income$2,730,0001,396
Gross Fiduciary activities income$184,000742
Service charges on deposit accounts$1,598,000819
Trading account gains and fees$0134
Additional Noninterest Income$948,0001,841
Total noninterest expense$9,842,0001,247
Salaries and employee benefits$5,472,0001,193
Premises and equipment expense$1,300,0001,322
Additional noninterest expense$3,070,0001,194
Pre-tax net operating income$6,401,0001,028
Securities gains (losses)$03,710
Applicable income taxes$1,897,0001,058
Income before extraordinary items$4,504,0001,092
Extraordinary gains, net$026
Net income$4,504,0001,093
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$686,000749
Cash dividends$1,483,0001,285
Sale, conversion, retirement of capital stock, net$0738
Net operating income$4,504,0001,058
2004-06-30 (YTD Data)Rank
Total interest income$12,379,0001,114
Total interest expense$2,790,0001,421
Net interest income$9,589,0001,018
Provision for loan and lease losses$695,000738
Total noninterest income$1,898,0001,338
Gross Fiduciary activities income$127,000740
Service charges on deposit accounts$1,040,000835
Trading account gains and fees$0130
Additional Noninterest Income$731,0001,662
Total noninterest expense$6,775,0001,194
Salaries and employee benefits$3,794,0001,140
Premises and equipment expense$885,0001,299
Additional noninterest expense$2,096,0001,165
Pre-tax net operating income$4,017,0001,084
Securities gains (losses)$03,413
Applicable income taxes$1,174,0001,128
Income before extraordinary items$2,843,0001,147
Extraordinary gains, net$021
Net income$2,843,0001,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$488,000730
Cash dividends$1,076,0001,184
Sale, conversion, retirement of capital stock, net$0638
Net operating income$2,843,0001,108
2004-03-31 (YTD Data)Rank
Total interest income$6,243,0001,120
Total interest expense$1,431,0001,394
Net interest income$4,812,0001,021
Provision for loan and lease losses$495,000527
Total noninterest income$1,045,0001,219
Gross Fiduciary activities income$62,000756
Service charges on deposit accounts$508,000830
Trading account gains and fees$0121
Additional Noninterest Income$475,0001,342
Total noninterest expense$3,246,0001,253
Salaries and employee benefits$1,851,0001,187
Premises and equipment expense$462,0001,257
Additional noninterest expense$933,0001,285
Pre-tax net operating income$2,116,0001,020
Securities gains (losses)$02,934
Applicable income taxes$626,0001,081
Income before extraordinary items$1,490,0001,101
Extraordinary gains, net$016
Net income$1,490,0001,101
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$195,000831
Cash dividends$538,0001,123
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,490,0001,040
2003-12-31 (YTD Data)Rank
Total interest income$25,390,0001,122
Total interest expense$6,167,0001,442
Net interest income$19,223,0001,007
Provision for loan and lease losses$1,270,000929
Total noninterest income$3,337,0001,545
Gross Fiduciary activities income$287,000719
Service charges on deposit accounts$2,124,000813
Trading account gains and fees$0160
Additional Noninterest Income$926,0002,503
Total noninterest expense$12,739,0001,268
Salaries and employee benefits$7,049,0001,213
Premises and equipment expense$1,703,0001,339
Additional noninterest expense$3,987,0001,243
Pre-tax net operating income$8,551,000980
Securities gains (losses)$4,0003,987
Applicable income taxes$2,555,0001,052
Income before extraordinary items$6,000,0001,076
Extraordinary gains, net$054
Net income$6,000,0001,078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,106,000852
Cash dividends$2,014,0001,359
Sale, conversion, retirement of capital stock, net$0868
Net operating income$5,997,2001,011
2003-09-30 (YTD Data)Rank
Total interest income$19,037,0001,144
Total interest expense$4,742,0001,470
Net interest income$14,295,0001,026
Provision for loan and lease losses$800,0001,077
Total noninterest income$2,577,0001,547
Gross Fiduciary activities income$225,000706
Service charges on deposit accounts$1,578,000823
Trading account gains and fees$0153
Additional Noninterest Income$774,0002,414
Total noninterest expense$9,481,0001,290
Salaries and employee benefits$5,237,0001,238
Premises and equipment expense$1,294,0001,332
Additional noninterest expense$2,950,0001,271
Pre-tax net operating income$6,591,000991
Securities gains (losses)$4,0003,690
Applicable income taxes$1,997,0001,065
Income before extraordinary items$4,598,0001,092
Extraordinary gains, net$040
Net income$4,598,0001,092
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$579,0001,043
Cash dividends$1,456,0001,303
Sale, conversion, retirement of capital stock, net$0722
Net operating income$4,595,2001,020
2003-06-30 (YTD Data)Rank
Total interest income$12,633,0001,160
Total interest expense$3,273,0001,476
Net interest income$9,360,0001,038
Provision for loan and lease losses$600,000971
Total noninterest income$1,616,0001,618
Gross Fiduciary activities income$124,000753
Service charges on deposit accounts$1,018,000832
Trading account gains and fees$0150
Additional Noninterest Income$474,0002,519
Total noninterest expense$6,500,0001,249
Salaries and employee benefits$3,579,0001,202
Premises and equipment expense$894,0001,280
Additional noninterest expense$2,027,0001,233
Pre-tax net operating income$3,876,0001,109
Securities gains (losses)$4,0003,287
Applicable income taxes$1,155,0001,220
Income before extraordinary items$2,725,0001,220
Extraordinary gains, net$030
Net income$2,725,0001,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$512,000829
Cash dividends$997,0001,328
Sale, conversion, retirement of capital stock, net$0589
Net operating income$2,722,2001,133
2003-03-31 (YTD Data)Rank
Total interest income$6,321,0001,167
Total interest expense$1,722,0001,440
Net interest income$4,599,0001,060
Provision for loan and lease losses$325,000862
Total noninterest income$835,0001,530
Gross Fiduciary activities income$54,000796
Service charges on deposit accounts$487,000848
Trading account gains and fees$0134
Additional Noninterest Income$294,0002,141
Total noninterest expense$3,180,0001,264
Salaries and employee benefits$1,789,0001,192
Premises and equipment expense$440,0001,311
Additional noninterest expense$951,0001,285
Pre-tax net operating income$1,929,0001,121
Securities gains (losses)$02,891
Applicable income taxes$574,0001,224
Income before extraordinary items$1,355,0001,219
Extraordinary gains, net$021
Net income$1,355,0001,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$147,0001,143
Cash dividends$538,0001,134
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,355,0001,140
2002-12-31 (YTD Data)Rank
Total interest income$26,249,0001,169
Total interest expense$8,017,0001,400
Net interest income$18,232,0001,054
Provision for loan and lease losses$625,0001,990
Total noninterest income$3,064,0001,536
Gross Fiduciary activities income$202,000823
Service charges on deposit accounts$1,803,000898
Trading account gains and fees$0153
Additional Noninterest Income$1,059,0002,101
Total noninterest expense$11,679,0001,323
Salaries and employee benefits$6,436,0001,258
Premises and equipment expense$1,570,0001,403
Additional noninterest expense$3,673,0001,312
Pre-tax net operating income$8,992,000951
Securities gains (losses)$37,0002,669
Applicable income taxes$2,629,0001,042
Income before extraordinary items$6,400,000982
Extraordinary gains, net$070
Net income$6,400,000984
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$499,0001,661
Cash dividends$1,814,0001,421
Sale, conversion, retirement of capital stock, net$0862
Net operating income$6,373,730938
2001-12-31 (YTD Data)Rank
Total interest income$27,599,0001,247
Total interest expense$10,861,0001,495
Net interest income$16,738,0001,068
Provision for loan and lease losses$900,0001,348
Total noninterest income$2,615,0001,638
Gross Fiduciary activities income$177,000874
Service charges on deposit accounts$1,538,000968
Trading account gains and fees$0177
Additional Noninterest Income$900,0002,201
Total noninterest expense$10,986,0001,324
Salaries and employee benefits$5,946,0001,250
Premises and equipment expense$1,413,0001,529
Additional noninterest expense$3,627,0001,297
Pre-tax net operating income$7,467,000999
Securities gains (losses)$04,612
Applicable income taxes$2,172,0001,094
Income before extraordinary items$5,295,0001,040
Extraordinary gains, net$0105
Net income$5,295,0001,042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$425,0001,753
Cash dividends$1,717,0001,491
Sale, conversion, retirement of capital stock, net$0922
Net operating income$5,295,000999
2000-12-31 (YTD Data)Rank
Total interest income$26,427,0001,335
Total interest expense$10,042,0001,714
Net interest income$16,385,0001,077
Provision for loan and lease losses$1,200,000908
Total noninterest income$2,230,0001,729
Gross Fiduciary activities income$192,000818
Service charges on deposit accounts$1,366,000985
Trading account gains and fees$0180
Additional Noninterest Income$672,0002,444
Total noninterest expense$10,096,0001,374
Salaries and employee benefits$5,432,0001,308
Premises and equipment expense$1,459,0001,421
Additional noninterest expense$3,205,0001,399
Pre-tax net operating income$7,319,0001,034
Securities gains (losses)$01,956
Applicable income taxes$2,115,0001,096
Income before extraordinary items$5,204,0001,029
Extraordinary gains, net$038
Net income$5,204,0001,029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$490,0001,264
Cash dividends$944,0002,404
Sale, conversion, retirement of capital stock, net$0969
Net operating income$5,204,0001,027
1999-12-31 (YTD Data)Rank
Total interest income$21,952,0001,489
Total interest expense$7,967,0001,878
Net interest income$13,985,0001,254
Provision for loan and lease losses$840,0001,139
Total noninterest income$1,679,0002,122
Gross Fiduciary activities income$144,000929
Service charges on deposit accounts$1,009,0001,302
Trading account gains and fees$0173
Additional Noninterest Income$526,0002,864
Total noninterest expense$9,457,0001,461
Salaries and employee benefits$4,825,0001,432
Premises and equipment expense$1,257,0001,623
Additional noninterest expense$3,375,0001,368
Pre-tax net operating income$5,367,0001,418
Securities gains (losses)$03,155
Applicable income taxes$1,547,0001,555
Income before extraordinary items$3,820,0001,398
Extraordinary gains, net$035
Net income$3,820,0001,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$315,0001,741
Cash dividends$536,0003,381
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$3,820,0001,378
1998-12-31 (YTD Data)Rank
Total interest income$20,147,0001,614
Total interest expense$7,399,0002,059
Net interest income$12,748,0001,331
Provision for loan and lease losses$640,0001,415
Total noninterest income$1,667,0002,094
Gross Fiduciary activities income$81,0001,048
Service charges on deposit accounts$917,0001,372
Trading account gains and fees$0224
Additional Noninterest Income$669,0002,474
Total noninterest expense$8,121,0001,627
Salaries and employee benefits$4,309,0001,524
Premises and equipment expense$1,191,0001,651
Additional noninterest expense$2,621,0001,642
Pre-tax net operating income$5,654,0001,327
Securities gains (losses)$04,449
Applicable income taxes$1,680,0001,464
Income before extraordinary items$3,974,0001,332
Extraordinary gains, net$032
Net income$3,974,0001,332
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$106,0003,550
Cash dividends$5,932,000568
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$3,974,0001,278
1997-12-31 (YTD Data)Rank
Total interest income$17,512,0001,886
Total interest expense$6,305,0002,383
Net interest income$11,207,0001,539
Provision for loan and lease losses$486,0001,814
Total noninterest income$1,615,0002,075
Gross Fiduciary activities income$4,0001,385
Service charges on deposit accounts$950,0001,349
Trading account gains and fees$0239
Additional Noninterest Income$661,0002,309
Total noninterest expense$6,943,0001,863
Salaries and employee benefits$3,785,0001,728
Premises and equipment expense$971,0002,045
Additional noninterest expense$2,187,0001,940
Pre-tax net operating income$5,393,0001,444
Securities gains (losses)$1,0003,559
Applicable income taxes$1,621,0001,591
Income before extraordinary items$3,773,0001,439
Extraordinary gains, net$044
Net income$3,773,0001,440
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$397,0001,604
Cash dividends$2,555,0001,071
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$3,772,3001,402
1996-12-31 (YTD Data)Rank
Total interest income$15,932,0002,113
Total interest expense$5,645,0002,688
Net interest income$10,287,0001,716
Provision for loan and lease losses$448,0001,907
Total noninterest income$1,469,0002,325
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$933,0001,442
Trading account gains and fees$0262
Additional Noninterest Income$536,0002,787
Total noninterest expense$6,108,0002,247
Salaries and employee benefits$3,283,0002,011
Premises and equipment expense$891,0002,236
Additional noninterest expense$1,934,0002,536
Pre-tax net operating income$5,200,0001,384
Securities gains (losses)$2,0003,501
Applicable income taxes$1,585,0001,523
Income before extraordinary items$3,617,0001,369
Extraordinary gains, net$053
Net income$3,617,0001,371
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$210,0002,601
Cash dividends$1,522,0001,552
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,615,6001,333
1995-12-31 (YTD Data)Rank
Total interest income$14,559,0002,314
Total interest expense$4,879,0003,087
Net interest income$9,680,0001,842
Provision for loan and lease losses$449,0001,725
Total noninterest income$1,282,0002,570
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$835,0001,619
Trading account gains and fees$0522
Additional Noninterest Income$447,0003,084
Total noninterest expense$5,811,0002,342
Salaries and employee benefits$3,202,0002,076
Premises and equipment expense$848,0002,356
Additional noninterest expense$1,761,0002,674
Pre-tax net operating income$4,702,0001,579
Securities gains (losses)$-30,00010,836
Applicable income taxes$1,417,0001,732
Income before extraordinary items$3,255,0001,568
Extraordinary gains, net$065
Net income$3,255,0001,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,354
Cash dividends$1,128,0001,844
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,276,0001,539
1994-12-31 (YTD Data)Rank
Total interest income$12,552,0002,417
Total interest expense$3,838,0003,188
Net interest income$8,714,0002,070
Provision for loan and lease losses$448,0001,682
Total noninterest income$1,151,0002,809
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$756,0001,791
Trading account gains and fees$0475
Additional Noninterest Income$395,0003,433
Total noninterest expense$5,845,0002,399
Salaries and employee benefits$3,104,0002,132
Premises and equipment expense$920,0002,192
Additional noninterest expense$1,821,0002,796
Pre-tax net operating income$3,572,0002,002
Securities gains (losses)$-81,00011,391
Applicable income taxes$1,039,0002,150
Income before extraordinary items$2,452,0001,997
Extraordinary gains, net$0249
Net income$2,452,0001,996
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-19,00011,219
Cash dividends$932,0002,035
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,508,7001,948
1993-12-31 (YTD Data)Rank
Total interest income$12,041,0002,562
Total interest expense$4,121,0003,085
Net interest income$7,920,0002,272
Provision for loan and lease losses$449,0002,276
Total noninterest income$1,328,0002,697
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$794,0001,726
Trading account gains and fees$0532
Additional Noninterest Income$534,0003,122
Total noninterest expense$5,690,0002,515
Salaries and employee benefits$2,966,0002,243
Premises and equipment expense$966,0002,126
Additional noninterest expense$1,758,0003,040
Pre-tax net operating income$3,109,0002,193
Securities gains (losses)$3,0006,505
Applicable income taxes$879,0002,560
Income before extraordinary items$2,233,0002,240
Extraordinary gains, net$100,0001,558
Net income$2,333,0002,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$288,0002,528
Cash dividends$827,0002,080
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,230,8402,106
1992-12-31 (YTD Data)Rank
Total interest income$12,753,0002,762
Total interest expense$4,866,0003,391
Net interest income$7,887,0002,299
Provision for loan and lease losses$519,0002,917
Total noninterest income$1,131,0002,999
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$860,0001,576
Trading account gains and fees$0504
Additional Noninterest Income$271,0004,720
Total noninterest expense$5,708,0002,532
Salaries and employee benefits$3,104,0002,114
Premises and equipment expense$904,0002,298
Additional noninterest expense$1,700,0003,213
Pre-tax net operating income$2,791,0002,208
Securities gains (losses)$30,0004,989
Applicable income taxes$765,0002,721
Income before extraordinary items$2,056,0002,226
Extraordinary gains, net$01,422
Net income$2,056,0002,259
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$118,0005,482
Cash dividends$729,0002,063
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,034,1002,071

* 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.