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Frederick County Bank, Income and Expense

2019-12-31 (YTD Data)Rank
Total interest income$17,831,0001,675
Total interest expense$3,681,0001,577
Net interest income$14,150,0001,690
Provision for loan and lease losses$-200,0005,033
Total noninterest income$2,011,0001,964
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$334,0002,442
Trading account gains and fees$0135
Additional Noninterest Income$1,677,0001,702
Total noninterest expense$12,959,0001,542
Salaries and employee benefits$7,417,0001,554
Premises and equipment expense$1,956,0001,187
Additional noninterest expense$3,586,0001,644
Pre-tax net operating income$3,402,0002,281
Securities gains (losses)$02,379
Applicable income taxes$950,0001,467
Income before extraordinary items$2,452,0002,596
Extraordinary gains, net$011
Net income$2,452,0002,597
Minority interest net income$076
Net income of bank and minority interests.$2,452,0002,598
Net charge-offs$62,0002,511
Cash dividends$420,0003,117
Sale, conversion, retirement of capital stock, net$0626
Net operating income$2,452,0002,567
2019-09-30 (YTD Data)Rank
Total interest income$13,397,0001,690
Total interest expense$2,762,0001,581
Net interest income$10,635,0001,704
Provision for loan and lease losses$03,836
Total noninterest income$1,379,0002,051
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$251,0002,466
Trading account gains and fees$0129
Additional Noninterest Income$1,128,0001,785
Total noninterest expense$9,483,0001,573
Salaries and employee benefits$5,482,0001,578
Premises and equipment expense$1,396,0001,245
Additional noninterest expense$2,605,0001,686
Pre-tax net operating income$2,531,0002,349
Securities gains (losses)$02,167
Applicable income taxes$699,0001,534
Income before extraordinary items$1,832,0002,664
Extraordinary gains, net$011
Net income$1,832,0002,665
Minority interest net income$072
Net income of bank and minority interests.$1,832,0002,665
Net charge-offs$31,0002,497
Cash dividends$420,0002,654
Sale, conversion, retirement of capital stock, net$0590
Net operating income$1,832,0002,628
2019-06-30 (YTD Data)Rank
Total interest income$8,758,0001,715
Total interest expense$1,763,0001,602
Net interest income$6,995,0001,720
Provision for loan and lease losses$03,685
Total noninterest income$813,0002,185
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$160,0002,518
Trading account gains and fees$0131
Additional Noninterest Income$653,0001,923
Total noninterest expense$6,108,0001,630
Salaries and employee benefits$3,572,0001,609
Premises and equipment expense$949,0001,241
Additional noninterest expense$1,587,0001,840
Pre-tax net operating income$1,700,0002,310
Securities gains (losses)$01,702
Applicable income taxes$402,0001,622
Income before extraordinary items$1,298,0002,538
Extraordinary gains, net$011
Net income$1,298,0002,537
Minority interest net income$069
Net income of bank and minority interests.$1,298,0002,537
Net charge-offs$-61,0004,961
Cash dividends$280,0002,645
Sale, conversion, retirement of capital stock, net$0573
Net operating income$1,298,0002,510
2019-03-31 (YTD Data)Rank
Total interest income$4,387,0001,715
Total interest expense$820,0001,639
Net interest income$3,567,0001,713
Provision for loan and lease losses$03,406
Total noninterest income$369,0002,267
Gross Fiduciary activities income$0972
Service charges on deposit accounts$76,0002,606
Trading account gains and fees$0126
Additional Noninterest Income$293,0001,991
Total noninterest expense$2,890,0001,721
Salaries and employee benefits$1,756,0001,649
Premises and equipment expense$472,0001,264
Additional noninterest expense$662,0002,117
Pre-tax net operating income$1,046,0002,003
Securities gains (losses)$01,087
Applicable income taxes$260,0001,372
Income before extraordinary items$786,0002,218
Extraordinary gains, net$05
Net income$786,0002,217
Minority interest net income$052
Net income of bank and minority interests.$786,0002,217
Net charge-offs$-8,0004,574
Cash dividends$140,0002,266
Sale, conversion, retirement of capital stock, net$0529
Net operating income$786,0002,202
2018-12-31 (YTD Data)Rank
Total interest income$17,019,0001,669
Total interest expense$2,361,0001,723
Net interest income$14,658,0001,640
Provision for loan and lease losses$-442,0005,286
Total noninterest income$1,593,0002,263
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$413,0002,256
Trading account gains and fees$0126
Additional Noninterest Income$1,180,0002,051
Total noninterest expense$12,128,0001,600
Salaries and employee benefits$7,112,0001,578
Premises and equipment expense$1,841,0001,266
Additional noninterest expense$3,175,0001,822
Pre-tax net operating income$4,565,0001,904
Securities gains (losses)$01,125
Applicable income taxes$1,159,0001,252
Income before extraordinary items$3,406,0002,134
Extraordinary gains, net$06
Net income$3,406,0002,132
Minority interest net income$072
Net income of bank and minority interests.$3,406,0002,133
Net charge-offs$-603,0005,317
Cash dividends$580,0002,842
Sale, conversion, retirement of capital stock, net$0671
Net operating income$3,406,0002,126
2018-09-30 (YTD Data)Rank
Total interest income$12,629,0001,668
Total interest expense$1,692,0001,701
Net interest income$10,937,0001,649
Provision for loan and lease losses$-512,0005,385
Total noninterest income$1,055,0002,426
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$304,0002,281
Trading account gains and fees$0138
Additional Noninterest Income$751,0002,252
Total noninterest expense$9,087,0001,597
Salaries and employee benefits$5,337,0001,576
Premises and equipment expense$1,369,0001,271
Additional noninterest expense$2,381,0001,822
Pre-tax net operating income$3,417,0001,932
Securities gains (losses)$01,118
Applicable income taxes$875,0001,281
Income before extraordinary items$2,542,0002,148
Extraordinary gains, net$05
Net income$2,542,0002,146
Minority interest net income$066
Net income of bank and minority interests.$2,542,0002,147
Net charge-offs$-586,0005,394
Cash dividends$440,0002,507
Sale, conversion, retirement of capital stock, net$0633
Net operating income$2,542,0002,146
2018-06-30 (YTD Data)Rank
Total interest income$8,357,0001,663
Total interest expense$1,080,0001,675
Net interest income$7,277,0001,641
Provision for loan and lease losses$-512,0005,470
Total noninterest income$742,0002,367
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$190,0002,368
Trading account gains and fees$0130
Additional Noninterest Income$552,0002,168
Total noninterest expense$5,945,0001,637
Salaries and employee benefits$3,397,0001,658
Premises and equipment expense$910,0001,284
Additional noninterest expense$1,638,0001,778
Pre-tax net operating income$2,586,0001,715
Securities gains (losses)$0961
Applicable income taxes$669,0001,150
Income before extraordinary items$1,917,0001,949
Extraordinary gains, net$06
Net income$1,917,0001,947
Minority interest net income$065
Net income of bank and minority interests.$1,917,0001,948
Net charge-offs$-580,0005,476
Cash dividends$300,0002,470
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,917,0001,940
2018-03-31 (YTD Data)Rank
Total interest income$4,106,0001,671
Total interest expense$511,0001,686
Net interest income$3,595,0001,656
Provision for loan and lease losses$-145,0005,511
Total noninterest income$357,0002,392
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$94,0002,399
Trading account gains and fees$0123
Additional Noninterest Income$263,0002,167
Total noninterest expense$2,797,0001,740
Salaries and employee benefits$1,680,0001,693
Premises and equipment expense$446,0001,325
Additional noninterest expense$671,0002,103
Pre-tax net operating income$1,300,0001,672
Securities gains (losses)$0735
Applicable income taxes$337,0001,136
Income before extraordinary items$963,0001,891
Extraordinary gains, net$07
Net income$963,0001,890
Minority interest net income$052
Net income of bank and minority interests.$963,0001,891
Net charge-offs$-513,0005,559
Cash dividends$125,0002,217
Sale, conversion, retirement of capital stock, net$0580
Net operating income$963,0001,880
2017-12-31 (YTD Data)Rank
Total interest income$15,080,0001,759
Total interest expense$1,448,0001,985
Net interest income$13,632,0001,709
Provision for loan and lease losses$645,0001,218
Total noninterest income$1,452,0002,444
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$378,0002,463
Trading account gains and fees$0151
Additional Noninterest Income$1,074,0002,207
Total noninterest expense$10,926,0001,757
Salaries and employee benefits$6,565,0001,687
Premises and equipment expense$1,719,0001,337
Additional noninterest expense$2,642,0002,157
Pre-tax net operating income$3,513,0002,239
Securities gains (losses)$02,243
Applicable income taxes$1,534,0001,519
Income before extraordinary items$1,979,0002,714
Extraordinary gains, net$09
Net income$1,979,0002,713
Minority interest net income$076
Net income of bank and minority interests.$1,979,0002,714
Net charge-offs$1,124,000634
Cash dividends$470,0003,034
Sale, conversion, retirement of capital stock, net$0711
Net operating income$1,979,0002,701
2017-09-30 (YTD Data)Rank
Total interest income$11,257,0001,760
Total interest expense$1,042,0002,023
Net interest income$10,215,0001,709
Provision for loan and lease losses$364,0001,434
Total noninterest income$1,226,0002,311
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$278,0002,516
Trading account gains and fees$0145
Additional Noninterest Income$948,0002,033
Total noninterest expense$8,303,0001,727
Salaries and employee benefits$5,027,0001,662
Premises and equipment expense$1,368,0001,288
Additional noninterest expense$1,908,0002,219
Pre-tax net operating income$2,774,0002,198
Securities gains (losses)$02,274
Applicable income taxes$965,0001,491
Income before extraordinary items$1,809,0002,567
Extraordinary gains, net$09
Net income$1,809,0002,567
Minority interest net income$071
Net income of bank and minority interests.$1,809,0002,567
Net charge-offs$41,0002,601
Cash dividends$220,0003,077
Sale, conversion, retirement of capital stock, net$0677
Net operating income$1,809,0002,557
2017-06-30 (YTD Data)Rank
Total interest income$7,419,0001,767
Total interest expense$670,0002,023
Net interest income$6,749,0001,713
Provision for loan and lease losses$271,0001,303
Total noninterest income$613,0002,686
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$179,0002,568
Trading account gains and fees$0139
Additional Noninterest Income$434,0002,497
Total noninterest expense$5,542,0001,735
Salaries and employee benefits$3,333,0001,671
Premises and equipment expense$937,0001,260
Additional noninterest expense$1,272,0002,217
Pre-tax net operating income$1,549,0002,439
Securities gains (losses)$01,906
Applicable income taxes$525,0001,655
Income before extraordinary items$1,024,0002,779
Extraordinary gains, net$011
Net income$1,024,0002,779
Minority interest net income$071
Net income of bank and minority interests.$1,024,0002,779
Net charge-offs$54,0001,949
Cash dividends$220,0002,767
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,024,0002,758
2017-03-31 (YTD Data)Rank
Total interest income$3,584,0001,809
Total interest expense$314,0002,095
Net interest income$3,270,0001,763
Provision for loan and lease losses$178,0001,023
Total noninterest income$231,0003,088
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$87,0002,620
Trading account gains and fees$0142
Additional Noninterest Income$144,0002,982
Total noninterest expense$2,690,0001,805
Salaries and employee benefits$1,686,0001,673
Premises and equipment expense$437,0001,353
Additional noninterest expense$567,0002,420
Pre-tax net operating income$633,0002,711
Securities gains (losses)$01,153
Applicable income taxes$207,0001,834
Income before extraordinary items$426,0003,019
Extraordinary gains, net$08
Net income$426,0003,019
Minority interest net income$055
Net income of bank and minority interests.$426,0003,019
Net charge-offs$100,000926
Cash dividends$110,0002,335
Sale, conversion, retirement of capital stock, net$0632
Net operating income$426,0002,998
2016-12-31 (YTD Data)Rank
Total interest income$13,836,0001,834
Total interest expense$1,182,0002,162
Net interest income$12,654,0001,775
Provision for loan and lease losses$850,0001,044
Total noninterest income$1,207,0002,769
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$358,0002,650
Trading account gains and fees$0170
Additional Noninterest Income$849,0002,597
Total noninterest expense$10,968,0001,744
Salaries and employee benefits$6,446,0001,675
Premises and equipment expense$1,879,0001,248
Additional noninterest expense$2,643,0002,196
Pre-tax net operating income$2,043,0003,018
Securities gains (losses)$51,0001,832
Applicable income taxes$633,0002,059
Income before extraordinary items$1,461,0003,315
Extraordinary gains, net$05
Net income$1,461,0003,314
Minority interest net income$082
Net income of bank and minority interests.$1,461,0003,314
Net charge-offs$170,0002,105
Cash dividends$440,0003,111
Sale, conversion, retirement of capital stock, net$0759
Net operating income$1,425,3003,314
2016-09-30 (YTD Data)Rank
Total interest income$10,338,0001,843
Total interest expense$894,0002,144
Net interest income$9,444,0001,785
Provision for loan and lease losses$250,0001,802
Total noninterest income$790,0002,961
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$270,0002,649
Trading account gains and fees$0169
Additional Noninterest Income$520,0002,849
Total noninterest expense$8,200,0001,749
Salaries and employee benefits$4,878,0001,663
Premises and equipment expense$1,418,0001,247
Additional noninterest expense$1,904,0002,280
Pre-tax net operating income$1,784,0002,808
Securities gains (losses)$51,0001,756
Applicable income taxes$573,0001,931
Income before extraordinary items$1,262,0003,108
Extraordinary gains, net$05
Net income$1,262,0003,108
Minority interest net income$071
Net income of bank and minority interests.$1,262,0003,108
Net charge-offs$181,0001,536
Cash dividends$330,0002,799
Sale, conversion, retirement of capital stock, net$0719
Net operating income$1,226,8103,111
2016-06-30 (YTD Data)Rank
Total interest income$6,818,0001,865
Total interest expense$599,0002,135
Net interest income$6,219,0001,809
Provision for loan and lease losses$200,0001,606
Total noninterest income$475,0003,121
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$172,0002,704
Trading account gains and fees$0157
Additional Noninterest Income$303,0003,005
Total noninterest expense$5,460,0001,763
Salaries and employee benefits$3,251,0001,668
Premises and equipment expense$949,0001,248
Additional noninterest expense$1,260,0002,304
Pre-tax net operating income$1,034,0003,024
Securities gains (losses)$51,0001,407
Applicable income taxes$327,0002,059
Income before extraordinary items$758,0003,286
Extraordinary gains, net$016
Net income$758,0003,284
Minority interest net income$071
Net income of bank and minority interests.$758,0003,284
Net charge-offs$192,0001,151
Cash dividends$220,0002,777
Sale, conversion, retirement of capital stock, net$0705
Net operating income$722,3003,311
2016-03-31 (YTD Data)Rank
Total interest income$3,361,0001,883
Total interest expense$306,0002,110
Net interest income$3,055,0001,841
Provision for loan and lease losses$03,656
Total noninterest income$230,0003,146
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$82,0002,770
Trading account gains and fees$0142
Additional Noninterest Income$148,0002,995
Total noninterest expense$2,799,0001,730
Salaries and employee benefits$1,674,0001,630
Premises and equipment expense$452,0001,301
Additional noninterest expense$673,0002,161
Pre-tax net operating income$486,0003,094
Securities gains (losses)$02,077
Applicable income taxes$144,0002,139
Income before extraordinary items$342,0003,400
Extraordinary gains, net$012
Net income$342,0003,396
Minority interest net income$062
Net income of bank and minority interests.$342,0003,398
Net charge-offs$20,0001,985
Cash dividends$110,0002,327
Sale, conversion, retirement of capital stock, net$0659
Net operating income$342,0003,336
2015-12-31 (YTD Data)Rank
Total interest income$13,166,0001,870
Total interest expense$1,377,0001,903
Net interest income$11,789,0001,853
Provision for loan and lease losses$-178,0005,804
Total noninterest income$1,663,0002,354
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$366,0002,690
Trading account gains and fees$0159
Additional Noninterest Income$1,297,0002,046
Total noninterest expense$10,519,0001,797
Salaries and employee benefits$6,031,0001,738
Premises and equipment expense$1,782,0001,308
Additional noninterest expense$2,706,0002,185
Pre-tax net operating income$3,111,0002,266
Securities gains (losses)$98,0001,191
Applicable income taxes$1,032,0001,569
Income before extraordinary items$2,177,0002,564
Extraordinary gains, net$023
Net income$2,177,0002,566
Minority interest net income$081
Net income of bank and minority interests.$2,177,0002,566
Net charge-offs$120,0002,499
Cash dividends$440,0003,056
Sale, conversion, retirement of capital stock, net$0804
Net operating income$2,110,3602,572
2015-09-30 (YTD Data)Rank
Total interest income$9,792,0001,898
Total interest expense$1,036,0001,921
Net interest income$8,756,0001,883
Provision for loan and lease losses$04,232
Total noninterest income$1,045,0002,611
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$270,0002,727
Trading account gains and fees$0153
Additional Noninterest Income$775,0002,362
Total noninterest expense$7,978,0001,794
Salaries and employee benefits$4,623,0001,717
Premises and equipment expense$1,301,0001,355
Additional noninterest expense$2,054,0002,152
Pre-tax net operating income$1,823,0002,730
Securities gains (losses)$98,0001,056
Applicable income taxes$585,0001,866
Income before extraordinary items$1,336,0002,992
Extraordinary gains, net$021
Net income$1,336,0002,992
Minority interest net income$078
Net income of bank and minority interests.$1,336,0002,993
Net charge-offs$309,0001,178
Cash dividends$330,0002,710
Sale, conversion, retirement of capital stock, net$0773
Net operating income$1,267,4003,035
2015-06-30 (YTD Data)Rank
Total interest income$6,517,0001,893
Total interest expense$690,0001,918
Net interest income$5,827,0001,885
Provision for loan and lease losses$04,069
Total noninterest income$690,0002,641
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$169,0002,807
Trading account gains and fees$0157
Additional Noninterest Income$521,0002,369
Total noninterest expense$5,264,0001,813
Salaries and employee benefits$3,026,0001,746
Premises and equipment expense$861,0001,368
Additional noninterest expense$1,377,0002,147
Pre-tax net operating income$1,253,0002,657
Securities gains (losses)$69,0001,046
Applicable income taxes$405,0001,837
Income before extraordinary items$917,0002,910
Extraordinary gains, net$022
Net income$917,0002,910
Minority interest net income$075
Net income of bank and minority interests.$917,0002,912
Net charge-offs$256,0001,025
Cash dividends$220,0002,700
Sale, conversion, retirement of capital stock, net$0751
Net operating income$869,3902,954
2015-03-31 (YTD Data)Rank
Total interest income$3,203,0001,930
Total interest expense$345,0001,937
Net interest income$2,858,0001,919
Provision for loan and lease losses$03,703
Total noninterest income$450,0002,244
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$79,0002,888
Trading account gains and fees$0152
Additional Noninterest Income$371,0001,858
Total noninterest expense$2,617,0001,818
Salaries and employee benefits$1,532,0001,736
Premises and equipment expense$417,0001,432
Additional noninterest expense$668,0002,188
Pre-tax net operating income$691,0002,435
Securities gains (losses)$69,000720
Applicable income taxes$241,0001,636
Income before extraordinary items$519,0002,638
Extraordinary gains, net$013
Net income$519,0002,641
Minority interest net income$064
Net income of bank and minority interests.$519,0002,641
Net charge-offs$171,000816
Cash dividends$110,0002,256
Sale, conversion, retirement of capital stock, net$0697
Net operating income$472,0802,757
2014-12-31 (YTD Data)Rank
Total interest income$13,018,0001,914
Total interest expense$1,484,0001,904
Net interest income$11,534,0001,887
Provision for loan and lease losses$04,603
Total noninterest income$1,130,0002,922
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$336,0003,010
Trading account gains and fees$0180
Additional Noninterest Income$794,0002,651
Total noninterest expense$9,903,0001,911
Salaries and employee benefits$5,628,0001,834
Premises and equipment expense$1,525,0001,545
Additional noninterest expense$2,750,0002,205
Pre-tax net operating income$2,761,0002,405
Securities gains (losses)$03,259
Applicable income taxes$872,0001,693
Income before extraordinary items$1,889,0002,818
Extraordinary gains, net$017
Net income$1,889,0002,816
Minority interest net income$084
Net income of bank and minority interests.$1,889,0002,818
Net charge-offs$61,0003,603
Cash dividends$440,0003,000
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,889,0002,764
2014-09-30 (YTD Data)Rank
Total interest income$9,725,0001,931
Total interest expense$1,123,0001,916
Net interest income$8,602,0001,906
Provision for loan and lease losses$04,401
Total noninterest income$820,0002,993
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$251,0003,037
Trading account gains and fees$0174
Additional Noninterest Income$569,0002,719
Total noninterest expense$7,233,0001,963
Salaries and employee benefits$4,152,0001,866
Premises and equipment expense$1,142,0001,558
Additional noninterest expense$1,939,0002,318
Pre-tax net operating income$2,189,0002,372
Securities gains (losses)$02,980
Applicable income taxes$703,0001,636
Income before extraordinary items$1,486,0002,745
Extraordinary gains, net$015
Net income$1,486,0002,745
Minority interest net income$081
Net income of bank and minority interests.$1,486,0002,745
Net charge-offs$130,0002,432
Cash dividends$330,0002,649
Sale, conversion, retirement of capital stock, net$0819
Net operating income$1,486,0002,702
2014-06-30 (YTD Data)Rank
Total interest income$6,431,0001,936
Total interest expense$744,0001,954
Net interest income$5,687,0001,907
Provision for loan and lease losses$04,196
Total noninterest income$395,0003,533
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$162,0003,073
Trading account gains and fees$0172
Additional Noninterest Income$233,0003,404
Total noninterest expense$4,674,0002,031
Salaries and employee benefits$2,692,0001,916
Premises and equipment expense$748,0001,584
Additional noninterest expense$1,234,0002,418
Pre-tax net operating income$1,408,0002,366
Securities gains (losses)$02,580
Applicable income taxes$446,0001,655
Income before extraordinary items$962,0002,719
Extraordinary gains, net$020
Net income$962,0002,723
Minority interest net income$080
Net income of bank and minority interests.$962,0002,723
Net charge-offs$42,0002,932
Cash dividends$220,0002,636
Sale, conversion, retirement of capital stock, net$0794
Net operating income$962,0002,675
2014-03-31 (YTD Data)Rank
Total interest income$3,224,0001,925
Total interest expense$371,0001,992
Net interest income$2,853,0001,897
Provision for loan and lease losses$03,817
Total noninterest income$214,0003,352
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$81,0003,056
Trading account gains and fees$0147
Additional Noninterest Income$133,0003,145
Total noninterest expense$2,260,0002,101
Salaries and employee benefits$1,292,0002,007
Premises and equipment expense$372,0001,624
Additional noninterest expense$596,0002,497
Pre-tax net operating income$807,0002,085
Securities gains (losses)$01,715
Applicable income taxes$255,0001,497
Income before extraordinary items$552,0002,405
Extraordinary gains, net$016
Net income$552,0002,406
Minority interest net income$066
Net income of bank and minority interests.$552,0002,407
Net charge-offs$40,0002,022
Cash dividends$110,0002,176
Sale, conversion, retirement of capital stock, net$0747
Net operating income$552,0002,361
2013-12-31 (YTD Data)Rank
Total interest income$12,617,0001,963
Total interest expense$1,552,0002,101
Net interest income$11,065,0001,921
Provision for loan and lease losses$275,0002,557
Total noninterest income$910,0003,379
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$353,0003,072
Trading account gains and fees$0184
Additional Noninterest Income$557,0003,225
Total noninterest expense$8,948,0002,119
Salaries and employee benefits$5,112,0001,998
Premises and equipment expense$1,473,0001,602
Additional noninterest expense$2,363,0002,588
Pre-tax net operating income$2,752,0002,304
Securities gains (losses)$-17,0006,309
Applicable income taxes$791,0001,693
Income before extraordinary items$1,944,0002,662
Extraordinary gains, net$029
Net income$1,944,0002,665
Minority interest net income$090
Net income of bank and minority interests.$1,944,0002,665
Net charge-offs$423,0002,198
Cash dividends$365,0003,094
Sale, conversion, retirement of capital stock, net$0924
Net operating income$1,956,0702,592
2013-09-30 (YTD Data)Rank
Total interest income$9,364,0001,990
Total interest expense$1,176,0002,141
Net interest income$8,188,0001,941
Provision for loan and lease losses$75,0003,636
Total noninterest income$688,0003,413
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$264,0003,095
Trading account gains and fees$0180
Additional Noninterest Income$424,0003,267
Total noninterest expense$6,704,0002,110
Salaries and employee benefits$3,906,0001,964
Premises and equipment expense$1,091,0001,630
Additional noninterest expense$1,707,0002,681
Pre-tax net operating income$2,097,0002,339
Securities gains (losses)$03,040
Applicable income taxes$612,0001,717
Income before extraordinary items$1,485,0002,682
Extraordinary gains, net$025
Net income$1,485,0002,686
Minority interest net income$084
Net income of bank and minority interests.$1,485,0002,686
Net charge-offs$11,0004,675
Cash dividends$270,0002,716
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,485,0002,600
2013-06-30 (YTD Data)Rank
Total interest income$6,172,0002,004
Total interest expense$794,0002,151
Net interest income$5,378,0001,961
Provision for loan and lease losses$04,788
Total noninterest income$460,0003,441
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$174,0003,089
Trading account gains and fees$0157
Additional Noninterest Income$286,0003,272
Total noninterest expense$4,381,0002,145
Salaries and employee benefits$2,596,0001,984
Premises and equipment expense$717,0001,655
Additional noninterest expense$1,068,0002,816
Pre-tax net operating income$1,457,0002,248
Securities gains (losses)$02,791
Applicable income taxes$422,0001,686
Income before extraordinary items$1,035,0002,576
Extraordinary gains, net$022
Net income$1,035,0002,581
Minority interest net income$082
Net income of bank and minority interests.$1,035,0002,581
Net charge-offs$-126,0006,724
Cash dividends$175,0002,651
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,035,0002,471
2013-03-31 (YTD Data)Rank
Total interest income$3,074,0002,038
Total interest expense$407,0002,161
Net interest income$2,667,0001,991
Provision for loan and lease losses$04,409
Total noninterest income$240,0003,360
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$86,0003,095
Trading account gains and fees$0148
Additional Noninterest Income$154,0003,143
Total noninterest expense$2,221,0002,143
Salaries and employee benefits$1,270,0002,046
Premises and equipment expense$355,0001,704
Additional noninterest expense$596,0002,565
Pre-tax net operating income$686,0002,302
Securities gains (losses)$01,966
Applicable income taxes$178,0001,824
Income before extraordinary items$508,0002,555
Extraordinary gains, net$010
Net income$508,0002,558
Minority interest net income$076
Net income of bank and minority interests.$508,0002,557
Net charge-offs$6,0003,622
Cash dividends$80,0002,181
Sale, conversion, retirement of capital stock, net$0789
Net operating income$508,0002,466
2012-12-31 (YTD Data)Rank
Total interest income$13,009,0002,023
Total interest expense$1,838,0002,297
Net interest income$11,171,0001,954
Provision for loan and lease losses$1,275,0001,488
Total noninterest income$814,0003,614
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$353,0003,165
Trading account gains and fees$0166
Additional Noninterest Income$461,0003,445
Total noninterest expense$9,486,0002,017
Salaries and employee benefits$5,071,0001,989
Premises and equipment expense$1,412,0001,666
Additional noninterest expense$3,003,0002,159
Pre-tax net operating income$1,224,0003,674
Securities gains (losses)$1,050,000496
Applicable income taxes$644,0001,923
Income before extraordinary items$1,630,0002,960
Extraordinary gains, net$029
Net income$1,630,0002,962
Minority interest net income$093
Net income of bank and minority interests.$1,630,0002,962
Net charge-offs$920,0001,911
Cash dividends$320,0003,232
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$874,0003,969
2012-09-30 (YTD Data)Rank
Total interest income$9,791,0002,042
Total interest expense$1,391,0002,361
Net interest income$8,400,0001,982
Provision for loan and lease losses$425,0002,500
Total noninterest income$581,0003,741
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$262,0003,228
Trading account gains and fees$0157
Additional Noninterest Income$319,0003,602
Total noninterest expense$7,126,0002,014
Salaries and employee benefits$3,907,0001,932
Premises and equipment expense$1,064,0001,667
Additional noninterest expense$2,155,0002,250
Pre-tax net operating income$1,430,0002,974
Securities gains (losses)$456,000798
Applicable income taxes$557,0001,822
Income before extraordinary items$1,329,0002,873
Extraordinary gains, net$020
Net income$1,329,0002,874
Minority interest net income$086
Net income of bank and minority interests.$1,329,0002,873
Net charge-offs$484,0002,240
Cash dividends$240,0002,764
Sale, conversion, retirement of capital stock, net$0952
Net operating income$1,009,8003,261
2012-06-30 (YTD Data)Rank
Total interest income$6,495,0002,066
Total interest expense$944,0002,413
Net interest income$5,551,0001,989
Provision for loan and lease losses$65,0004,299
Total noninterest income$390,0003,699
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$167,0003,300
Trading account gains and fees$0153
Additional Noninterest Income$223,0003,516
Total noninterest expense$4,747,0002,013
Salaries and employee benefits$2,613,0001,924
Premises and equipment expense$710,0001,671
Additional noninterest expense$1,424,0002,270
Pre-tax net operating income$1,129,0002,626
Securities gains (losses)$220,0001,038
Applicable income taxes$423,0001,669
Income before extraordinary items$926,0002,751
Extraordinary gains, net$019
Net income$926,0002,752
Minority interest net income$084
Net income of bank and minority interests.$926,0002,752
Net charge-offs$79,0003,636
Cash dividends$160,0002,688
Sale, conversion, retirement of capital stock, net$0928
Net operating income$774,2002,953
2012-03-31 (YTD Data)Rank
Total interest income$3,255,0002,077
Total interest expense$481,0002,453
Net interest income$2,774,0001,995
Provision for loan and lease losses$65,0003,389
Total noninterest income$185,0003,802
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$77,0003,452
Trading account gains and fees$0148
Additional Noninterest Income$108,0003,590
Total noninterest expense$2,348,0002,042
Salaries and employee benefits$1,303,0001,933
Premises and equipment expense$362,0001,647
Additional noninterest expense$683,0002,344
Pre-tax net operating income$546,0002,706
Securities gains (losses)$02,210
Applicable income taxes$150,0002,029
Income before extraordinary items$396,0003,092
Extraordinary gains, net$019
Net income$396,0003,095
Minority interest net income$078
Net income of bank and minority interests.$396,0003,096
Net charge-offs$-5,0006,379
Cash dividends$80,0002,213
Sale, conversion, retirement of capital stock, net$0861
Net operating income$396,0002,943
2011-12-31 (YTD Data)Rank
Total interest income$13,600,0002,052
Total interest expense$2,555,0002,268
Net interest income$11,045,0001,980
Provision for loan and lease losses$1,740,0001,728
Total noninterest income$590,0004,105
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$305,0003,559
Trading account gains and fees$0146
Additional Noninterest Income$285,0003,948
Total noninterest expense$8,347,0002,274
Salaries and employee benefits$4,949,0001,948
Premises and equipment expense$1,268,0001,953
Additional noninterest expense$2,130,0002,958
Pre-tax net operating income$1,548,0002,970
Securities gains (losses)$386,000957
Applicable income taxes$518,0001,995
Income before extraordinary items$1,416,0002,889
Extraordinary gains, net$029
Net income$1,416,0002,891
Minority interest net income$096
Net income of bank and minority interests.$1,416,0002,891
Net charge-offs$2,242,0001,450
Cash dividends$150,0003,538
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$1,134,2203,208
2011-09-30 (YTD Data)Rank
Total interest income$10,290,0002,057
Total interest expense$2,022,0002,228
Net interest income$8,268,0001,991
Provision for loan and lease losses$1,515,0001,503
Total noninterest income$407,0004,291
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$225,0003,606
Trading account gains and fees$0145
Additional Noninterest Income$182,0004,232
Total noninterest expense$6,201,0002,308
Salaries and employee benefits$3,690,0001,966
Premises and equipment expense$976,0001,916
Additional noninterest expense$1,535,0003,089
Pre-tax net operating income$959,0003,392
Securities gains (losses)$386,000765
Applicable income taxes$347,0002,104
Income before extraordinary items$998,0003,071
Extraordinary gains, net$021
Net income$998,0003,073
Minority interest net income$087
Net income of bank and minority interests.$998,0003,073
Net charge-offs$2,104,0001,176
Cash dividends$150,0002,886
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$712,3603,616
2011-06-30 (YTD Data)Rank
Total interest income$6,830,0002,080
Total interest expense$1,401,0002,235
Net interest income$5,429,0002,027
Provision for loan and lease losses$615,0002,021
Total noninterest income$264,0004,380
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$153,0003,553
Trading account gains and fees$0153
Additional Noninterest Income$111,0004,391
Total noninterest expense$4,153,0002,321
Salaries and employee benefits$2,449,0001,994
Premises and equipment expense$664,0001,905
Additional noninterest expense$1,040,0003,105
Pre-tax net operating income$925,0002,673
Securities gains (losses)$3,0002,636
Applicable income taxes$261,0001,950
Income before extraordinary items$667,0002,999
Extraordinary gains, net$015
Net income$667,0003,000
Minority interest net income$089
Net income of bank and minority interests.$667,0003,001
Net charge-offs$718,0001,774
Cash dividends$150,0002,512
Sale, conversion, retirement of capital stock, net$0986
Net operating income$664,8402,931
2011-03-31 (YTD Data)Rank
Total interest income$3,405,0002,102
Total interest expense$703,0002,308
Net interest income$2,702,0002,024
Provision for loan and lease losses$115,0003,204
Total noninterest income$121,0004,584
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$78,0003,476
Trading account gains and fees$0158
Additional Noninterest Income$43,0004,887
Total noninterest expense$2,102,0002,311
Salaries and employee benefits$1,222,0002,006
Premises and equipment expense$340,0001,894
Additional noninterest expense$540,0002,992
Pre-tax net operating income$606,0002,204
Securities gains (losses)$3,0001,535
Applicable income taxes$208,0001,468
Income before extraordinary items$401,0002,654
Extraordinary gains, net$09
Net income$401,0002,653
Minority interest net income$086
Net income of bank and minority interests.$401,0002,654
Net charge-offs$-8,0006,939
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$399,0202,605
2010-12-31 (YTD Data)Rank
Total interest income$14,484,0002,080
Total interest expense$3,531,0002,241
Net interest income$10,953,0001,987
Provision for loan and lease losses$1,660,0002,319
Total noninterest income$544,0004,421
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$368,0003,233
Trading account gains and fees$0175
Additional Noninterest Income$176,0004,769
Total noninterest expense$7,903,0002,443
Salaries and employee benefits$4,703,0002,054
Premises and equipment expense$1,242,0002,039
Additional noninterest expense$1,958,0003,320
Pre-tax net operating income$1,934,0002,299
Securities gains (losses)$283,0001,313
Applicable income taxes$774,0001,460
Income before extraordinary items$1,443,0002,577
Extraordinary gains, net$029
Net income$1,443,0002,572
Minority interest net income$0111
Net income of bank and minority interests.$1,443,0002,578
Net charge-offs$1,069,0002,592
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$1,259,0502,710
2010-09-30 (YTD Data)Rank
Total interest income$10,857,0002,122
Total interest expense$2,728,0002,272
Net interest income$8,129,0002,036
Provision for loan and lease losses$1,010,0002,491
Total noninterest income$417,0004,437
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$284,0003,248
Trading account gains and fees$0165
Additional Noninterest Income$133,0004,831
Total noninterest expense$5,918,0002,450
Salaries and employee benefits$3,540,0002,040
Premises and equipment expense$934,0002,058
Additional noninterest expense$1,444,0003,337
Pre-tax net operating income$1,618,0002,242
Securities gains (losses)$85,0002,057
Applicable income taxes$606,0001,462
Income before extraordinary items$1,097,0002,727
Extraordinary gains, net$023
Net income$1,097,0002,723
Minority interest net income$0110
Net income of bank and minority interests.$1,097,0002,728
Net charge-offs$608,0002,808
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$1,042,6002,681
2010-06-30 (YTD Data)Rank
Total interest income$7,144,0002,181
Total interest expense$1,784,0002,412
Net interest income$5,360,0002,064
Provision for loan and lease losses$600,0002,565
Total noninterest income$273,0004,455
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$184,0003,318
Trading account gains and fees$0152
Additional Noninterest Income$89,0004,810
Total noninterest expense$3,891,0002,486
Salaries and employee benefits$2,339,0002,078
Premises and equipment expense$627,0002,061
Additional noninterest expense$925,0003,419
Pre-tax net operating income$1,142,0002,131
Securities gains (losses)$84,0001,538
Applicable income taxes$441,0001,346
Income before extraordinary items$785,0002,538
Extraordinary gains, net$019
Net income$785,0002,535
Minority interest net income$0105
Net income of bank and minority interests.$785,0002,538
Net charge-offs$588,0002,262
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$731,2402,577
2010-03-31 (YTD Data)Rank
Total interest income$3,501,0002,293
Total interest expense$861,0002,594
Net interest income$2,640,0002,118
Provision for loan and lease losses$400,0002,061
Total noninterest income$132,0004,538
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$91,0003,330
Trading account gains and fees$0175
Additional Noninterest Income$41,0005,010
Total noninterest expense$1,828,0002,664
Salaries and employee benefits$1,060,0002,325
Premises and equipment expense$324,0002,063
Additional noninterest expense$444,0003,507
Pre-tax net operating income$544,0002,261
Securities gains (losses)$02,284
Applicable income taxes$168,0001,611
Income before extraordinary items$376,0002,659
Extraordinary gains, net$016
Net income$376,0002,658
Minority interest net income$091
Net income of bank and minority interests.$376,0002,660
Net charge-offs$500,0001,577
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$376,0002,561
2009-12-31 (YTD Data)Rank
Total interest income$13,990,0002,382
Total interest expense$4,871,0002,317
Net interest income$9,119,0002,393
Provision for loan and lease losses$1,175,0003,248
Total noninterest income$537,0004,604
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$371,0003,470
Trading account gains and fees$0211
Additional Noninterest Income$166,0004,949
Total noninterest expense$6,723,0002,892
Salaries and employee benefits$3,729,0002,614
Premises and equipment expense$1,288,0002,076
Additional noninterest expense$1,706,0003,737
Pre-tax net operating income$1,758,0002,122
Securities gains (losses)$235,0001,429
Applicable income taxes$644,0001,312
Income before extraordinary items$1,349,0002,280
Extraordinary gains, net$034
Net income$1,350,0002,275
Minority interest net income$-1,0007,985
Net income of bank and minority interests.$1,349,0002,278
Net charge-offs$1,168,0002,685
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$1,189,2002,445
2009-09-30 (YTD Data)Rank
Total interest income$10,431,0002,434
Total interest expense$3,855,0002,298
Net interest income$6,576,0002,470
Provision for loan and lease losses$875,0002,981
Total noninterest income$387,0004,748
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$267,0003,560
Trading account gains and fees$0212
Additional Noninterest Income$120,0005,129
Total noninterest expense$5,115,0002,848
Salaries and employee benefits$2,807,0002,626
Premises and equipment expense$977,0002,066
Additional noninterest expense$1,331,0003,591
Pre-tax net operating income$973,0002,785
Securities gains (losses)$117,0001,699
Applicable income taxes$330,0001,826
Income before extraordinary items$760,0002,965
Extraordinary gains, net$027
Net income$761,0002,959
Minority interest net income$-1,0008,078
Net income of bank and minority interests.$760,0002,966
Net charge-offs$785,0002,493
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$678,1003,100
2009-06-30 (YTD Data)Rank
Total interest income$6,926,0002,483
Total interest expense$2,649,0002,317
Net interest income$4,277,0002,531
Provision for loan and lease losses$600,0002,697
Total noninterest income$241,0004,886
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$169,0003,647
Trading account gains and fees$0193
Additional Noninterest Income$72,0005,325
Total noninterest expense$3,451,0002,856
Salaries and employee benefits$1,890,0002,632
Premises and equipment expense$659,0002,075
Additional noninterest expense$902,0003,551
Pre-tax net operating income$467,0003,412
Securities gains (losses)$117,0001,371
Applicable income taxes$167,0002,154
Income before extraordinary items$417,0003,408
Extraordinary gains, net$021
Net income$418,0003,402
Minority interest net income$-1,0008,170
Net income of bank and minority interests.$417,0003,406
Net charge-offs$682,0002,008
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$333,9303,660
2009-03-31 (YTD Data)Rank
Total interest income$3,461,0002,511
Total interest expense$1,367,0002,329
Net interest income$2,094,0002,592
Provision for loan and lease losses$400,0001,987
Total noninterest income$108,0005,078
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$84,0003,610
Trading account gains and fees$0171
Additional Noninterest Income$24,0005,949
Total noninterest expense$1,681,0002,844
Salaries and employee benefits$979,0002,589
Premises and equipment expense$331,0002,102
Additional noninterest expense$371,0003,792
Pre-tax net operating income$121,0004,802
Securities gains (losses)$02,434
Applicable income taxes$13,0003,831
Income before extraordinary items$108,0004,842
Extraordinary gains, net$015
Net income$109,0004,831
Minority interest net income$-1,0008,222
Net income of bank and minority interests.$108,0004,845
Net charge-offs$682,0001,168
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$108,0004,673
2008-12-31 (YTD Data)Rank
Total interest income$15,433,0002,398
Total interest expense$6,753,0002,271
Net interest income$8,680,0002,500
Provision for loan and lease losses$935,0002,811
Total noninterest income$585,0004,527
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$272,0004,187
Trading account gains and fees$0154
Additional Noninterest Income$313,0004,037
Total noninterest expense$6,475,0002,875
Salaries and employee benefits$3,802,0002,625
Premises and equipment expense$1,224,0002,203
Additional noninterest expense$1,449,0003,717
Pre-tax net operating income$1,855,0002,604
Securities gains (losses)$26,0002,023
Applicable income taxes$578,0001,702
Income before extraordinary items$1,303,0002,772
Extraordinary gains, net$039
Net income$1,303,0002,771
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$455,0002,932
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$500,000554
Net operating income$1,285,0602,930
2008-09-30 (YTD Data)Rank
Total interest income$11,713,0002,431
Total interest expense$5,212,0002,287
Net interest income$6,501,0002,532
Provision for loan and lease losses$460,0002,854
Total noninterest income$440,0004,629
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$193,0004,327
Trading account gains and fees$0148
Additional Noninterest Income$247,0004,047
Total noninterest expense$4,932,0002,808
Salaries and employee benefits$2,885,0002,628
Premises and equipment expense$905,0002,241
Additional noninterest expense$1,142,0003,510
Pre-tax net operating income$1,549,0002,771
Securities gains (losses)$26,0001,844
Applicable income taxes$486,0001,944
Income before extraordinary items$1,089,0002,933
Extraordinary gains, net$031
Net income$1,089,0002,929
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$400,0002,217
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,071,0603,119
2008-06-30 (YTD Data)Rank
Total interest income$7,823,0002,469
Total interest expense$3,623,0002,306
Net interest income$4,200,0002,599
Provision for loan and lease losses$240,0002,857
Total noninterest income$306,0004,575
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$120,0004,469
Trading account gains and fees$0149
Additional Noninterest Income$186,0003,904
Total noninterest expense$3,263,0002,826
Salaries and employee benefits$1,919,0002,667
Premises and equipment expense$597,0002,262
Additional noninterest expense$747,0003,530
Pre-tax net operating income$1,003,0002,942
Securities gains (losses)$03,233
Applicable income taxes$298,0002,221
Income before extraordinary items$705,0003,312
Extraordinary gains, net$021
Net income$705,0003,312
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,824
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$705,0003,248
2008-03-31 (YTD Data)Rank
Total interest income$4,003,0002,470
Total interest expense$1,902,0002,342
Net interest income$2,101,0002,597
Provision for loan and lease losses$120,0002,457
Total noninterest income$164,0004,412
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$59,0004,476
Trading account gains and fees$0158
Additional Noninterest Income$105,0003,679
Total noninterest expense$1,619,0002,855
Salaries and employee benefits$959,0002,677
Premises and equipment expense$299,0002,275
Additional noninterest expense$361,0003,575
Pre-tax net operating income$526,0002,969
Securities gains (losses)$02,688
Applicable income taxes$151,0002,312
Income before extraordinary items$375,0003,325
Extraordinary gains, net$015
Net income$375,0003,327
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$290,0001,004
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$375,0003,231
2007-12-31 (YTD Data)Rank
Total interest income$16,196,0002,510
Total interest expense$7,735,0002,391
Net interest income$8,461,0002,590
Provision for loan and lease losses$491,0002,356
Total noninterest income$679,0004,369
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$213,0004,774
Trading account gains and fees$0178
Additional Noninterest Income$466,0003,439
Total noninterest expense$6,140,0002,903
Salaries and employee benefits$3,570,0002,747
Premises and equipment expense$1,081,0002,403
Additional noninterest expense$1,489,0003,434
Pre-tax net operating income$2,509,0002,821
Securities gains (losses)$02,146
Applicable income taxes$794,0002,150
Income before extraordinary items$1,715,0003,150
Extraordinary gains, net$039
Net income$1,715,0003,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0005,621
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$4,000,000288
Net operating income$1,715,0003,140
2007-09-30 (YTD Data)Rank
Total interest income$11,953,0002,548
Total interest expense$5,666,0002,441
Net interest income$6,287,0002,623
Provision for loan and lease losses$241,0002,674
Total noninterest income$307,0005,484
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$149,0004,941
Trading account gains and fees$0184
Additional Noninterest Income$158,0004,980
Total noninterest expense$4,625,0002,875
Salaries and employee benefits$2,743,0002,687
Premises and equipment expense$771,0002,496
Additional noninterest expense$1,111,0003,393
Pre-tax net operating income$1,728,0003,168
Securities gains (losses)$01,655
Applicable income taxes$544,0002,424
Income before extraordinary items$1,184,0003,499
Extraordinary gains, net$033
Net income$1,184,0003,498
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0005,430
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$3,000,000233
Net operating income$1,184,0003,485
2007-06-30 (YTD Data)Rank
Total interest income$7,703,0002,637
Total interest expense$3,618,0002,552
Net interest income$4,085,0002,701
Provision for loan and lease losses$191,0002,237
Total noninterest income$196,0005,615
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$89,0005,167
Trading account gains and fees$0168
Additional Noninterest Income$107,0004,994
Total noninterest expense$3,043,0002,940
Salaries and employee benefits$1,832,0002,716
Premises and equipment expense$507,0002,554
Additional noninterest expense$704,0003,548
Pre-tax net operating income$1,047,0003,430
Securities gains (losses)$01,444
Applicable income taxes$322,0002,650
Income before extraordinary items$725,0003,738
Extraordinary gains, net$029
Net income$725,0003,738
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0004,692
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$2,000,000202
Net operating income$725,0003,720
2007-03-31 (YTD Data)Rank
Total interest income$3,715,0002,716
Total interest expense$1,734,0002,632
Net interest income$1,981,0002,778
Provision for loan and lease losses$66,0002,646
Total noninterest income$93,0005,686
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$46,0005,043
Trading account gains and fees$0195
Additional Noninterest Income$47,0005,236
Total noninterest expense$1,500,0002,983
Salaries and employee benefits$905,0002,776
Premises and equipment expense$259,0002,501
Additional noninterest expense$336,0003,639
Pre-tax net operating income$508,0003,496
Securities gains (losses)$01,187
Applicable income taxes$156,0002,701
Income before extraordinary items$352,0003,801
Extraordinary gains, net$022
Net income$352,0003,802
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0003,481
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$1,000,000136
Net operating income$352,0003,777
2006-12-31 (YTD Data)Rank
Total interest income$13,713,0002,753
Total interest expense$5,598,0002,753
Net interest income$8,115,0002,721
Provision for loan and lease losses$213,0003,413
Total noninterest income$361,0005,810
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$169,0005,309
Trading account gains and fees$0130
Additional Noninterest Income$192,0005,192
Total noninterest expense$5,198,0003,246
Salaries and employee benefits$3,188,0002,965
Premises and equipment expense$858,0002,830
Additional noninterest expense$1,152,0004,071
Pre-tax net operating income$3,065,0002,737
Securities gains (losses)$01,687
Applicable income taxes$1,091,0002,077
Income before extraordinary items$1,974,0003,129
Extraordinary gains, net$051
Net income$1,974,0003,128
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$1,974,0003,118
2006-09-30 (YTD Data)Rank
Total interest income$10,131,0002,765
Total interest expense$4,019,0002,774
Net interest income$6,112,0002,741
Provision for loan and lease losses$180,0003,038
Total noninterest income$254,0005,980
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$120,0005,469
Trading account gains and fees$0126
Additional Noninterest Income$134,0005,331
Total noninterest expense$3,836,0003,272
Salaries and employee benefits$2,402,0002,949
Premises and equipment expense$590,0003,052
Additional noninterest expense$844,0004,111
Pre-tax net operating income$2,350,0002,791
Securities gains (losses)$01,388
Applicable income taxes$854,0002,100
Income before extraordinary items$1,496,0003,213
Extraordinary gains, net$045
Net income$1,496,0003,214
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,496,0003,209
2006-06-30 (YTD Data)Rank
Total interest income$6,605,0002,782
Total interest expense$2,547,0002,772
Net interest income$4,058,0002,752
Provision for loan and lease losses$120,0002,983
Total noninterest income$168,0006,018
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$76,0005,555
Trading account gains and fees$0126
Additional Noninterest Income$92,0005,303
Total noninterest expense$2,474,0003,374
Salaries and employee benefits$1,553,0003,041
Premises and equipment expense$374,0003,158
Additional noninterest expense$547,0004,200
Pre-tax net operating income$1,632,0002,707
Securities gains (losses)$01,185
Applicable income taxes$617,0002,016
Income before extraordinary items$1,015,0003,176
Extraordinary gains, net$039
Net income$1,015,0003,178
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,015,0003,167
2006-03-31 (YTD Data)Rank
Total interest income$3,170,0002,837
Total interest expense$1,202,0002,802
Net interest income$1,968,0002,809
Provision for loan and lease losses$60,0002,788
Total noninterest income$89,0005,835
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$39,0005,460
Trading account gains and fees$0115
Additional Noninterest Income$50,0005,119
Total noninterest expense$1,184,0003,513
Salaries and employee benefits$732,0003,211
Premises and equipment expense$184,0003,207
Additional noninterest expense$268,0004,254
Pre-tax net operating income$813,0002,674
Securities gains (losses)$0955
Applicable income taxes$325,0001,917
Income before extraordinary items$488,0003,224
Extraordinary gains, net$021
Net income$488,0003,223
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$488,0003,199
2005-12-31 (YTD Data)Rank
Total interest income$10,706,0002,966
Total interest expense$3,220,0003,144
Net interest income$7,486,0002,865
Provision for loan and lease losses$450,0002,063
Total noninterest income$296,0006,352
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$139,0005,751
Trading account gains and fees$0138
Additional Noninterest Income$157,0005,649
Total noninterest expense$4,581,0003,470
Salaries and employee benefits$2,796,0003,159
Premises and equipment expense$710,0003,192
Additional noninterest expense$1,075,0004,178
Pre-tax net operating income$2,751,0002,963
Securities gains (losses)$-8,0007,452
Applicable income taxes$881,0002,445
Income before extraordinary items$1,862,0003,271
Extraordinary gains, net$046
Net income$1,862,0003,273
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$1,867,4403,231
2005-09-30 (YTD Data)Rank
Total interest income$7,706,0003,032
Total interest expense$2,178,0003,268
Net interest income$5,528,0002,892
Provision for loan and lease losses$450,0001,533
Total noninterest income$225,0006,354
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$103,0005,805
Trading account gains and fees$0126
Additional Noninterest Income$122,0005,575
Total noninterest expense$3,381,0003,493
Salaries and employee benefits$2,035,0003,226
Premises and equipment expense$521,0003,245
Additional noninterest expense$825,0004,089
Pre-tax net operating income$1,922,0003,143
Securities gains (losses)$-7,0007,795
Applicable income taxes$561,0002,753
Income before extraordinary items$1,354,0003,390
Extraordinary gains, net$035
Net income$1,354,0003,392
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,358,9703,342
2005-06-30 (YTD Data)Rank
Total interest income$4,926,0003,078
Total interest expense$1,331,0003,359
Net interest income$3,595,0002,928
Provision for loan and lease losses$300,0001,505
Total noninterest income$146,0006,387
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$73,0005,656
Trading account gains and fees$0116
Additional Noninterest Income$73,0005,795
Total noninterest expense$2,197,0003,550
Salaries and employee benefits$1,312,0003,305
Premises and equipment expense$336,0003,297
Additional noninterest expense$549,0004,071
Pre-tax net operating income$1,244,0003,160
Securities gains (losses)$-1,0007,609
Applicable income taxes$314,0003,021
Income before extraordinary items$929,0003,275
Extraordinary gains, net$030
Net income$929,0003,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,660
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$929,7503,230
2005-03-31 (YTD Data)Rank
Total interest income$2,351,0003,158
Total interest expense$618,0003,434
Net interest income$1,733,0003,015
Provision for loan and lease losses$150,0001,379
Total noninterest income$62,0006,684
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$35,0005,695
Trading account gains and fees$0115
Additional Noninterest Income$27,0006,349
Total noninterest expense$1,063,0003,670
Salaries and employee benefits$637,0003,389
Premises and equipment expense$156,0003,539
Additional noninterest expense$270,0004,122
Pre-tax net operating income$582,0003,298
Securities gains (losses)$01,685
Applicable income taxes$59,0004,561
Income before extraordinary items$523,0002,943
Extraordinary gains, net$024
Net income$523,0002,944
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$523,0002,896
2004-12-31 (YTD Data)Rank
Total interest income$7,601,0003,550
Total interest expense$1,750,0004,049
Net interest income$5,851,0003,355
Provision for loan and lease losses$520,0001,901
Total noninterest income$249,0006,786
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$143,0005,885
Trading account gains and fees$0138
Additional Noninterest Income$106,0006,316
Total noninterest expense$4,025,0003,723
Salaries and employee benefits$2,449,0003,401
Premises and equipment expense$633,0003,385
Additional noninterest expense$943,0004,565
Pre-tax net operating income$1,555,0004,156
Securities gains (losses)$-5,0008,058
Applicable income taxes$07,185
Income before extraordinary items$1,550,0003,558
Extraordinary gains, net$034
Net income$1,550,0003,559
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0006,745
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,555,0003,476
2004-09-30 (YTD Data)Rank
Total interest income$5,385,0003,708
Total interest expense$1,228,0004,211
Net interest income$4,157,0003,486
Provision for loan and lease losses$315,0002,173
Total noninterest income$183,0006,852
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$106,0005,948
Trading account gains and fees$0134
Additional Noninterest Income$77,0006,376
Total noninterest expense$2,965,0003,746
Salaries and employee benefits$1,806,0003,416
Premises and equipment expense$479,0003,375
Additional noninterest expense$680,0004,631
Pre-tax net operating income$1,060,0004,469
Securities gains (losses)$-5,0008,357
Applicable income taxes$07,220
Income before extraordinary items$1,055,0003,883
Extraordinary gains, net$026
Net income$1,055,0003,884
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,993
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,060,0003,793
2004-06-30 (YTD Data)Rank
Total interest income$3,409,0003,860
Total interest expense$777,0004,364
Net interest income$2,632,0003,630
Provision for loan and lease losses$210,0002,090
Total noninterest income$121,0006,880
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$71,0005,950
Trading account gains and fees$0130
Additional Noninterest Income$50,0006,428
Total noninterest expense$1,925,0003,855
Salaries and employee benefits$1,162,0003,542
Premises and equipment expense$311,0003,442
Additional noninterest expense$452,0004,666
Pre-tax net operating income$618,0004,755
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$618,0004,174
Extraordinary gains, net$021
Net income$618,0004,175
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$618,0004,086
2004-03-31 (YTD Data)Rank
Total interest income$1,646,0003,961
Total interest expense$379,0004,479
Net interest income$1,267,0003,720
Provision for loan and lease losses$105,0002,016
Total noninterest income$59,0006,900
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$35,0005,922
Trading account gains and fees$0121
Additional Noninterest Income$24,0006,514
Total noninterest expense$929,0003,993
Salaries and employee benefits$554,0003,700
Premises and equipment expense$150,0003,590
Additional noninterest expense$225,0004,652
Pre-tax net operating income$292,0004,872
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$292,0004,334
Extraordinary gains, net$016
Net income$292,0004,333
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$292,0004,210
2003-12-31 (YTD Data)Rank
Total interest income$5,503,0004,569
Total interest expense$1,479,0004,907
Net interest income$4,024,0004,347
Provision for loan and lease losses$420,0002,478
Total noninterest income$186,0007,471
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$107,0006,448
Trading account gains and fees$0160
Additional Noninterest Income$79,0006,902
Total noninterest expense$3,357,0004,264
Salaries and employee benefits$2,034,0003,869
Premises and equipment expense$622,0003,425
Additional noninterest expense$701,0005,497
Pre-tax net operating income$433,0006,911
Securities gains (losses)$34,0002,826
Applicable income taxes$07,459
Income before extraordinary items$467,0006,486
Extraordinary gains, net$054
Net income$467,0006,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,121
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$433,0006,489
2003-09-30 (YTD Data)Rank
Total interest income$3,931,0004,794
Total interest expense$1,115,0005,036
Net interest income$2,816,0004,583
Provision for loan and lease losses$315,0002,407
Total noninterest income$135,0007,572
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$75,0006,610
Trading account gains and fees$0153
Additional Noninterest Income$60,0006,950
Total noninterest expense$2,469,0004,309
Salaries and employee benefits$1,520,0003,872
Premises and equipment expense$461,0003,457
Additional noninterest expense$488,0005,718
Pre-tax net operating income$167,0007,892
Securities gains (losses)$34,0002,597
Applicable income taxes$07,524
Income before extraordinary items$201,0007,588
Extraordinary gains, net$040
Net income$201,0007,592
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0004,321
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$167,0007,655
2003-06-30 (YTD Data)Rank
Total interest income$2,540,0004,939
Total interest expense$749,0005,138
Net interest income$1,791,0004,727
Provision for loan and lease losses$210,0002,412
Total noninterest income$81,0007,748
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$45,0006,765
Trading account gains and fees$0150
Additional Noninterest Income$36,0007,110
Total noninterest expense$1,627,0004,341
Salaries and employee benefits$1,013,0003,867
Premises and equipment expense$297,0003,520
Additional noninterest expense$317,0005,788
Pre-tax net operating income$35,0008,465
Securities gains (losses)$34,0002,284
Applicable income taxes$07,529
Income before extraordinary items$69,0008,234
Extraordinary gains, net$030
Net income$69,0008,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0003,501
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$35,0008,415
2003-03-31 (YTD Data)Rank
Total interest income$1,209,0005,129
Total interest expense$369,0005,280
Net interest income$840,0004,919
Provision for loan and lease losses$105,0002,265
Total noninterest income$37,0007,862
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$20,0006,904
Trading account gains and fees$0134
Additional Noninterest Income$17,0007,158
Total noninterest expense$802,0004,362
Salaries and employee benefits$505,0003,867
Premises and equipment expense$148,0003,521
Additional noninterest expense$149,0005,971
Pre-tax net operating income$-30,0008,838
Securities gains (losses)$34,0001,611
Applicable income taxes$07,403
Income before extraordinary items$4,0008,712
Extraordinary gains, net$021
Net income$4,0008,709
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,770
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-30,0008,811
2002-12-31 (YTD Data)Rank
Total interest income$3,148,0006,705
Total interest expense$1,102,0006,677
Net interest income$2,046,0006,553
Provision for loan and lease losses$521,0002,319
Total noninterest income$96,0008,446
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$49,0007,550
Trading account gains and fees$0153
Additional Noninterest Income$47,0007,677
Total noninterest expense$3,108,0004,342
Salaries and employee benefits$2,063,0003,650
Premises and equipment expense$515,0003,856
Additional noninterest expense$530,0006,343
Pre-tax net operating income$-1,487,0009,204
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$-1,487,0009,245
Extraordinary gains, net$070
Net income$-1,487,0009,243
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,420
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$5,180,000152
Net operating income$-1,487,0009,212
2001-12-31 (YTD Data)Rank
Total interest income$101,0009,569
Total interest expense$39,0009,509
Net interest income$62,0009,571
Provision for loan and lease losses$94,0005,734
Total noninterest income$2,0009,537
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$2,0009,423
Total noninterest expense$596,0008,944
Salaries and employee benefits$428,0008,500
Premises and equipment expense$90,0008,459
Additional noninterest expense$78,0009,475
Pre-tax net operating income$-626,0009,220
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-626,0009,289
Extraordinary gains, net$0105
Net income$-626,0009,290
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$9,198,00085
Net operating income$-626,0009,257

* 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.