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Investors Community Bank, Income and Expense

2021-09-30 (YTD Data)Rank
Total interest income$42,785,000612
Total interest expense$6,491,000335
Net interest income$36,294,000654
Provision for loan and lease losses$-4,670,0004,752
Total noninterest income$11,658,000639
Gross Fiduciary activities income$0957
Service charges on deposit accounts$286,0001,921
Trading account gains and fees$0132
Additional Noninterest Income$11,372,000529
Total noninterest expense$26,591,000732
Salaries and employee benefits$18,741,000595
Premises and equipment expense$1,914,000989
Additional noninterest expense$5,936,000947
Pre-tax net operating income$26,031,000499
Securities gains (losses)$-1,453,0004,899
Applicable income taxes$6,186,000453
Income before extraordinary items$18,392,000570
Extraordinary gains, net$08
Net income$18,392,000568
Minority interest net income$069
Net income of bank and minority interests.$18,392,000570
Net charge-offs$-576,0004,825
Cash dividends$13,100,000305
Sale, conversion, retirement of capital stock, net$702,000218
Net operating income$19,539,870530
2021-06-30 (YTD Data)Rank
Total interest income$28,865,000603
Total interest expense$4,572,000337
Net interest income$24,293,000648
Provision for loan and lease losses$-4,036,0004,790
Total noninterest income$8,461,000598
Gross Fiduciary activities income$0951
Service charges on deposit accounts$180,0001,940
Trading account gains and fees$0133
Additional Noninterest Income$8,281,000503
Total noninterest expense$17,917,000723
Salaries and employee benefits$12,634,000588
Premises and equipment expense$1,276,000989
Additional noninterest expense$4,007,000927
Pre-tax net operating income$18,873,000476
Securities gains (losses)$-1,453,0004,942
Applicable income taxes$4,312,000444
Income before extraordinary items$13,108,000534
Extraordinary gains, net$06
Net income$13,108,000533
Minority interest net income$067
Net income of bank and minority interests.$13,108,000534
Net charge-offs$-694,0004,894
Cash dividends$7,100,000343
Sale, conversion, retirement of capital stock, net$497,000181
Net operating income$14,255,870498
2021-03-31 (YTD Data)Rank
Total interest income$13,946,000616
Total interest expense$2,483,000328
Net interest income$11,463,000675
Provision for loan and lease losses$242,000698
Total noninterest income$3,691,000655
Gross Fiduciary activities income$0922
Service charges on deposit accounts$91,0001,913
Trading account gains and fees$0127
Additional Noninterest Income$3,600,000556
Total noninterest expense$8,639,000737
Salaries and employee benefits$5,817,000639
Premises and equipment expense$639,000990
Additional noninterest expense$2,183,000840
Pre-tax net operating income$6,273,000639
Securities gains (losses)$01,392
Applicable income taxes$1,404,000593
Income before extraordinary items$4,869,000684
Extraordinary gains, net$03
Net income$4,869,000684
Minority interest net income$055
Net income of bank and minority interests.$4,869,000684
Net charge-offs$-32,0004,482
Cash dividends$1,650,000534
Sale, conversion, retirement of capital stock, net$273,000162
Net operating income$4,869,000666
2020-12-31 (YTD Data)Rank
Total interest income$56,573,000602
Total interest expense$15,099,000349
Net interest income$41,474,000703
Provision for loan and lease losses$2,984,000805
Total noninterest income$11,986,000709
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$319,0002,160
Trading account gains and fees$0133
Additional Noninterest Income$11,667,000587
Total noninterest expense$32,689,000757
Salaries and employee benefits$22,450,000632
Premises and equipment expense$2,802,000905
Additional noninterest expense$7,437,000937
Pre-tax net operating income$17,787,000655
Securities gains (losses)$671,000498
Applicable income taxes$4,487,000532
Income before extraordinary items$13,971,000708
Extraordinary gains, net$04
Net income$13,971,000708
Minority interest net income$072
Net income of bank and minority interests.$13,971,000708
Net charge-offs$3,444,000287
Cash dividends$22,000,000262
Sale, conversion, retirement of capital stock, net$867,000213
Net operating income$13,440,910698
2020-09-30 (YTD Data)Rank
Total interest income$41,569,000611
Total interest expense$12,146,000348
Net interest income$29,423,000723
Provision for loan and lease losses$3,439,000648
Total noninterest income$7,471,000773
Gross Fiduciary activities income$0981
Service charges on deposit accounts$235,0002,184
Trading account gains and fees$0125
Additional Noninterest Income$7,236,000634
Total noninterest expense$23,115,000786
Salaries and employee benefits$15,477,000680
Premises and equipment expense$2,138,000884
Additional noninterest expense$5,500,000929
Pre-tax net operating income$10,340,000770
Securities gains (losses)$671,000410
Applicable income taxes$2,543,000615
Income before extraordinary items$8,468,000823
Extraordinary gains, net$04
Net income$8,468,000823
Minority interest net income$065
Net income of bank and minority interests.$8,468,000823
Net charge-offs$57,0001,993
Cash dividends$22,000,000215
Sale, conversion, retirement of capital stock, net$686,000187
Net operating income$7,937,910837
2020-06-30 (YTD Data)Rank
Total interest income$28,234,000613
Total interest expense$8,681,000361
Net interest income$19,553,000722
Provision for loan and lease losses$3,360,000522
Total noninterest income$3,916,000871
Gross Fiduciary activities income$0970
Service charges on deposit accounts$156,0002,215
Trading account gains and fees$0123
Additional Noninterest Income$3,760,000700
Total noninterest expense$15,614,000776
Salaries and employee benefits$10,471,000662
Premises and equipment expense$1,433,000885
Additional noninterest expense$3,710,000921
Pre-tax net operating income$4,495,0001,048
Securities gains (losses)$570,000340
Applicable income taxes$1,006,000829
Income before extraordinary items$4,059,0001,028
Extraordinary gains, net$04
Net income$4,059,0001,027
Minority interest net income$065
Net income of bank and minority interests.$4,059,0001,028
Net charge-offs$58,0001,649
Cash dividends$16,000,000200
Sale, conversion, retirement of capital stock, net$496,000162
Net operating income$3,603,0001,098
2020-03-31 (YTD Data)Rank
Total interest income$14,285,000607
Total interest expense$4,607,000388
Net interest income$9,678,000710
Provision for loan and lease losses$2,218,000377
Total noninterest income$997,0001,284
Gross Fiduciary activities income$0941
Service charges on deposit accounts$86,0002,341
Trading account gains and fees$0106
Additional Noninterest Income$911,0001,039
Total noninterest expense$8,123,000749
Salaries and employee benefits$5,480,000635
Premises and equipment expense$753,000859
Additional noninterest expense$1,890,000923
Pre-tax net operating income$334,0003,289
Securities gains (losses)$01,705
Applicable income taxes$-212,0004,988
Income before extraordinary items$546,0002,532
Extraordinary gains, net$04
Net income$546,0002,532
Minority interest net income$056
Net income of bank and minority interests.$546,0002,533
Net charge-offs$-62,0004,906
Cash dividends$6,000,000272
Sale, conversion, retirement of capital stock, net$314,000145
Net operating income$546,0002,503
2019-12-31 (YTD Data)Rank
Total interest income$66,813,000521
Total interest expense$22,885,000342
Net interest income$43,928,000631
Provision for loan and lease losses$423,0001,638
Total noninterest income$12,509,000593
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$392,0002,237
Trading account gains and fees$0135
Additional Noninterest Income$12,117,000461
Total noninterest expense$31,293,000750
Salaries and employee benefits$19,367,000694
Premises and equipment expense$2,968,000864
Additional noninterest expense$8,958,000773
Pre-tax net operating income$24,721,000521
Securities gains (losses)$341,000472
Applicable income taxes$5,701,000466
Income before extraordinary items$19,361,000555
Extraordinary gains, net$011
Net income$19,361,000556
Minority interest net income$076
Net income of bank and minority interests.$19,361,000556
Net charge-offs$1,661,000481
Cash dividends$6,000,000690
Sale, conversion, retirement of capital stock, net$695,000255
Net operating income$19,091,610547
2019-09-30 (YTD Data)Rank
Total interest income$51,493,000515
Total interest expense$17,865,000335
Net interest income$33,628,000625
Provision for loan and lease losses$474,0001,207
Total noninterest income$9,077,000606
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$300,0002,227
Trading account gains and fees$0129
Additional Noninterest Income$8,777,000469
Total noninterest expense$21,551,000787
Salaries and employee benefits$13,645,000732
Premises and equipment expense$2,151,000890
Additional noninterest expense$5,755,000878
Pre-tax net operating income$20,680,000489
Securities gains (losses)$341,000381
Applicable income taxes$5,690,000382
Income before extraordinary items$15,331,000540
Extraordinary gains, net$011
Net income$15,331,000538
Minority interest net income$072
Net income of bank and minority interests.$15,331,000540
Net charge-offs$1,914,000324
Cash dividends$4,500,000662
Sale, conversion, retirement of capital stock, net$439,000240
Net operating income$15,061,610538
2019-06-30 (YTD Data)Rank
Total interest income$34,658,000507
Total interest expense$12,031,000332
Net interest income$22,627,000622
Provision for loan and lease losses$1,628,000342
Total noninterest income$5,162,000664
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$207,0002,170
Trading account gains and fees$0131
Additional Noninterest Income$4,955,000518
Total noninterest expense$14,242,000793
Salaries and employee benefits$8,851,000747
Premises and equipment expense$1,447,000883
Additional noninterest expense$3,944,000860
Pre-tax net operating income$11,919,000525
Securities gains (losses)$341,000275
Applicable income taxes$3,330,000408
Income before extraordinary items$8,930,000583
Extraordinary gains, net$011
Net income$8,930,000583
Minority interest net income$069
Net income of bank and minority interests.$8,930,000583
Net charge-offs$1,875,000244
Cash dividends$3,000,000630
Sale, conversion, retirement of capital stock, net$262,000238
Net operating income$8,660,610587
2019-03-31 (YTD Data)Rank
Total interest income$17,220,000509
Total interest expense$5,912,000333
Net interest income$11,308,000625
Provision for loan and lease losses$752,000348
Total noninterest income$2,636,000633
Gross Fiduciary activities income$0972
Service charges on deposit accounts$107,0002,109
Trading account gains and fees$0126
Additional Noninterest Income$2,529,000493
Total noninterest expense$6,959,000808
Salaries and employee benefits$4,504,000737
Premises and equipment expense$771,000839
Additional noninterest expense$1,684,000975
Pre-tax net operating income$6,233,000501
Securities gains (losses)$01,087
Applicable income taxes$1,757,000392
Income before extraordinary items$4,476,000572
Extraordinary gains, net$05
Net income$4,476,000571
Minority interest net income$052
Net income of bank and minority interests.$4,476,000571
Net charge-offs$-236,0005,280
Cash dividends$1,500,000619
Sale, conversion, retirement of capital stock, net$117,000214
Net operating income$4,476,000559
2018-12-31 (YTD Data)Rank
Total interest income$64,773,000503
Total interest expense$20,529,000311
Net interest income$44,244,000621
Provision for loan and lease losses$3,195,000358
Total noninterest income$8,370,000781
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$429,0002,212
Trading account gains and fees$0126
Additional Noninterest Income$7,941,000597
Total noninterest expense$27,008,000820
Salaries and employee benefits$17,309,000736
Premises and equipment expense$2,526,000966
Additional noninterest expense$7,173,000937
Pre-tax net operating income$22,411,000543
Securities gains (losses)$01,125
Applicable income taxes$5,896,000426
Income before extraordinary items$16,515,000600
Extraordinary gains, net$06
Net income$16,515,000599
Minority interest net income$072
Net income of bank and minority interests.$16,515,000599
Net charge-offs$-63,0004,942
Cash dividends$1,875,0001,520
Sale, conversion, retirement of capital stock, net$475,000308
Net operating income$16,515,000603
2018-09-30 (YTD Data)Rank
Total interest income$47,476,000508
Total interest expense$14,808,000299
Net interest income$32,668,000629
Provision for loan and lease losses$1,623,000448
Total noninterest income$6,699,000752
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$328,0002,192
Trading account gains and fees$0138
Additional Noninterest Income$6,371,000570
Total noninterest expense$20,264,000814
Salaries and employee benefits$13,131,000728
Premises and equipment expense$1,817,000997
Additional noninterest expense$5,316,000932
Pre-tax net operating income$17,480,000527
Securities gains (losses)$01,118
Applicable income taxes$4,509,000430
Income before extraordinary items$12,971,000577
Extraordinary gains, net$05
Net income$12,971,000576
Minority interest net income$066
Net income of bank and minority interests.$12,971,000576
Net charge-offs$-1,272,0005,448
Cash dividends$1,375,0001,392
Sale, conversion, retirement of capital stock, net$350,000288
Net operating income$12,971,000575
2018-06-30 (YTD Data)Rank
Total interest income$30,859,000517
Total interest expense$9,396,000293
Net interest income$21,463,000632
Provision for loan and lease losses$630,000666
Total noninterest income$4,477,000749
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$212,0002,227
Trading account gains and fees$0130
Additional Noninterest Income$4,265,000565
Total noninterest expense$13,532,000819
Salaries and employee benefits$8,697,000736
Premises and equipment expense$1,132,0001,060
Additional noninterest expense$3,703,000887
Pre-tax net operating income$11,778,000525
Securities gains (losses)$0961
Applicable income taxes$3,021,000428
Income before extraordinary items$8,757,000566
Extraordinary gains, net$06
Net income$8,757,000565
Minority interest net income$065
Net income of bank and minority interests.$8,757,000565
Net charge-offs$-1,251,0005,517
Cash dividends$875,0001,439
Sale, conversion, retirement of capital stock, net$259,000256
Net operating income$8,757,000565
2018-03-31 (YTD Data)Rank
Total interest income$14,923,000524
Total interest expense$4,280,000301
Net interest income$10,643,000631
Provision for loan and lease losses$97,0001,502
Total noninterest income$2,032,000780
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$101,0002,297
Trading account gains and fees$0123
Additional Noninterest Income$1,931,000596
Total noninterest expense$6,676,000829
Salaries and employee benefits$4,388,000734
Premises and equipment expense$514,0001,166
Additional noninterest expense$1,774,000915
Pre-tax net operating income$5,902,000511
Securities gains (losses)$0735
Applicable income taxes$1,501,000428
Income before extraordinary items$4,401,000552
Extraordinary gains, net$07
Net income$4,401,000552
Minority interest net income$052
Net income of bank and minority interests.$4,401,000552
Net charge-offs$-1,268,0005,591
Cash dividends$375,0001,428
Sale, conversion, retirement of capital stock, net$118,000243
Net operating income$4,401,000553
2017-12-31 (YTD Data)Rank
Total interest income$53,541,000536
Total interest expense$13,653,000305
Net interest income$39,888,000639
Provision for loan and lease losses$2,330,000458
Total noninterest income$6,913,000884
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$365,0002,525
Trading account gains and fees$0151
Additional Noninterest Income$6,548,000698
Total noninterest expense$24,135,000889
Salaries and employee benefits$15,815,000778
Premises and equipment expense$1,853,0001,255
Additional noninterest expense$6,467,000999
Pre-tax net operating income$20,336,000546
Securities gains (losses)$-31,0005,234
Applicable income taxes$8,344,000470
Income before extraordinary items$11,961,000641
Extraordinary gains, net$09
Net income$11,961,000641
Minority interest net income$076
Net income of bank and minority interests.$11,961,000641
Net charge-offs$1,727,000460
Cash dividends$1,100,0002,078
Sale, conversion, retirement of capital stock, net$555,000281
Net operating income$11,980,840635
2017-09-30 (YTD Data)Rank
Total interest income$39,122,000552
Total interest expense$9,707,000308
Net interest income$29,415,000655
Provision for loan and lease losses$2,318,000347
Total noninterest income$5,768,000843
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$268,0002,576
Trading account gains and fees$0145
Additional Noninterest Income$5,500,000644
Total noninterest expense$18,482,000882
Salaries and employee benefits$12,197,000759
Premises and equipment expense$1,398,0001,260
Additional noninterest expense$4,887,000985
Pre-tax net operating income$14,383,000576
Securities gains (losses)$-37,0005,554
Applicable income taxes$5,361,000468
Income before extraordinary items$8,985,000697
Extraordinary gains, net$09
Net income$8,985,000697
Minority interest net income$071
Net income of bank and minority interests.$8,985,000697
Net charge-offs$1,337,000408
Cash dividends$900,0001,809
Sale, conversion, retirement of capital stock, net$394,000271
Net operating income$9,008,680673
2017-06-30 (YTD Data)Rank
Total interest income$25,087,000563
Total interest expense$6,087,000309
Net interest income$19,000,000660
Provision for loan and lease losses$2,285,000256
Total noninterest income$3,523,000889
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$168,0002,680
Trading account gains and fees$0139
Additional Noninterest Income$3,355,000686
Total noninterest expense$11,988,000905
Salaries and employee benefits$7,864,000779
Premises and equipment expense$925,0001,273
Additional noninterest expense$3,199,0001,010
Pre-tax net operating income$8,250,000632
Securities gains (losses)$01,906
Applicable income taxes$3,109,000513
Income before extraordinary items$5,141,000780
Extraordinary gains, net$011
Net income$5,141,000780
Minority interest net income$071
Net income of bank and minority interests.$5,141,000780
Net charge-offs$1,427,000281
Cash dividends$600,0001,787
Sale, conversion, retirement of capital stock, net$239,000258
Net operating income$5,141,000763
2017-03-31 (YTD Data)Rank
Total interest income$12,134,000575
Total interest expense$2,818,000317
Net interest income$9,316,000672
Provision for loan and lease losses$761,000322
Total noninterest income$2,075,000783
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$79,0002,794
Trading account gains and fees$0142
Additional Noninterest Income$1,996,000589
Total noninterest expense$6,010,000902
Salaries and employee benefits$4,027,000772
Premises and equipment expense$447,0001,319
Additional noninterest expense$1,536,0001,045
Pre-tax net operating income$4,620,000564
Securities gains (losses)$01,153
Applicable income taxes$1,770,000452
Income before extraordinary items$2,850,000693
Extraordinary gains, net$08
Net income$2,850,000693
Minority interest net income$055
Net income of bank and minority interests.$2,850,000693
Net charge-offs$-21,0005,266
Cash dividends$300,0001,627
Sale, conversion, retirement of capital stock, net$110,000239
Net operating income$2,850,000680
2016-12-31 (YTD Data)Rank
Total interest income$45,581,000591
Total interest expense$9,640,000319
Net interest income$35,941,000668
Provision for loan and lease losses$2,959,000391
Total noninterest income$8,460,000788
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$272,0003,110
Trading account gains and fees$0170
Additional Noninterest Income$8,188,000592
Total noninterest expense$22,563,000933
Salaries and employee benefits$13,107,000908
Premises and equipment expense$1,612,0001,417
Additional noninterest expense$7,844,000843
Pre-tax net operating income$18,879,000543
Securities gains (losses)$03,212
Applicable income taxes$7,155,000433
Income before extraordinary items$11,724,000666
Extraordinary gains, net$05
Net income$11,724,000665
Minority interest net income$082
Net income of bank and minority interests.$11,724,000665
Net charge-offs$720,000850
Cash dividends$1,200,0001,965
Sale, conversion, retirement of capital stock, net$407,000309
Net operating income$11,724,000653
2016-09-30 (YTD Data)Rank
Total interest income$32,621,000621
Total interest expense$6,950,000327
Net interest income$25,671,000699
Provision for loan and lease losses$2,416,000352
Total noninterest income$6,590,000765
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$187,0003,285
Trading account gains and fees$0169
Additional Noninterest Income$6,403,000582
Total noninterest expense$17,020,000931
Salaries and employee benefits$9,559,000933
Premises and equipment expense$1,153,0001,490
Additional noninterest expense$6,308,000787
Pre-tax net operating income$12,825,000587
Securities gains (losses)$03,160
Applicable income taxes$4,836,000474
Income before extraordinary items$7,989,000720
Extraordinary gains, net$05
Net income$7,989,000719
Minority interest net income$071
Net income of bank and minority interests.$7,989,000720
Net charge-offs$1,195,000423
Cash dividends$900,0001,762
Sale, conversion, retirement of capital stock, net$295,000285
Net operating income$7,989,000709
2016-06-30 (YTD Data)Rank
Total interest income$19,818,000675
Total interest expense$4,442,000338
Net interest income$15,376,000776
Provision for loan and lease losses$1,282,000416
Total noninterest income$4,787,000707
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$118,0003,367
Trading account gains and fees$0157
Additional Noninterest Income$4,669,000524
Total noninterest expense$11,497,000921
Salaries and employee benefits$6,099,000965
Premises and equipment expense$629,0001,780
Additional noninterest expense$4,769,000717
Pre-tax net operating income$7,384,000641
Securities gains (losses)$02,835
Applicable income taxes$2,773,000515
Income before extraordinary items$4,611,000811
Extraordinary gains, net$016
Net income$4,611,000810
Minority interest net income$071
Net income of bank and minority interests.$4,611,000810
Net charge-offs$896,000393
Cash dividends$600,0001,762
Sale, conversion, retirement of capital stock, net$236,000259
Net operating income$4,611,000784
2016-03-31 (YTD Data)Rank
Total interest income$9,118,000732
Total interest expense$2,114,000350
Net interest income$7,004,000837
Provision for loan and lease losses$812,000327
Total noninterest income$1,850,000839
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$59,0003,355
Trading account gains and fees$0142
Additional Noninterest Income$1,791,000622
Total noninterest expense$4,361,0001,182
Salaries and employee benefits$3,005,000983
Premises and equipment expense$262,0002,086
Additional noninterest expense$1,094,0001,408
Pre-tax net operating income$3,681,000637
Securities gains (losses)$02,077
Applicable income taxes$1,379,000505
Income before extraordinary items$2,302,000797
Extraordinary gains, net$012
Net income$2,302,000795
Minority interest net income$062
Net income of bank and minority interests.$2,302,000797
Net charge-offs$-1,0004,102
Cash dividends$300,0001,591
Sale, conversion, retirement of capital stock, net$128,000225
Net operating income$2,302,000770
2015-12-31 (YTD Data)Rank
Total interest income$33,768,000752
Total interest expense$7,120,000385
Net interest income$26,648,000853
Provision for loan and lease losses$-1,019,0006,054
Total noninterest income$7,114,000878
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$233,0003,470
Trading account gains and fees$0159
Additional Noninterest Income$6,881,000639
Total noninterest expense$16,276,0001,223
Salaries and employee benefits$10,769,0001,054
Premises and equipment expense$899,0002,343
Additional noninterest expense$4,608,0001,363
Pre-tax net operating income$18,505,000521
Securities gains (losses)$03,216
Applicable income taxes$6,918,000422
Income before extraordinary items$11,587,000635
Extraordinary gains, net$023
Net income$11,587,000633
Minority interest net income$081
Net income of bank and minority interests.$11,587,000636
Net charge-offs$-821,0006,069
Cash dividends$1,200,0001,904
Sale, conversion, retirement of capital stock, net$360,000354
Net operating income$11,587,000620
2015-09-30 (YTD Data)Rank
Total interest income$24,765,000781
Total interest expense$5,166,000403
Net interest income$19,599,000877
Provision for loan and lease losses$-1,325,0006,179
Total noninterest income$4,779,000962
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$172,0003,504
Trading account gains and fees$0153
Additional Noninterest Income$4,607,000701
Total noninterest expense$12,189,0001,236
Salaries and employee benefits$8,232,0001,033
Premises and equipment expense$678,0002,367
Additional noninterest expense$3,279,0001,427
Pre-tax net operating income$13,514,000540
Securities gains (losses)$03,031
Applicable income taxes$5,077,000445
Income before extraordinary items$8,437,000658
Extraordinary gains, net$021
Net income$8,437,000655
Minority interest net income$078
Net income of bank and minority interests.$8,437,000658
Net charge-offs$-556,0006,128
Cash dividends$900,0001,699
Sale, conversion, retirement of capital stock, net$266,000322
Net operating income$8,437,000643
2015-06-30 (YTD Data)Rank
Total interest income$16,001,000801
Total interest expense$3,371,000406
Net interest income$12,630,000903
Provision for loan and lease losses$-458,0006,192
Total noninterest income$3,064,000984
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$105,0003,644
Trading account gains and fees$0157
Additional Noninterest Income$2,959,000720
Total noninterest expense$8,168,0001,237
Salaries and employee benefits$5,589,0001,015
Premises and equipment expense$436,0002,432
Additional noninterest expense$2,143,0001,450
Pre-tax net operating income$7,984,000597
Securities gains (losses)$02,636
Applicable income taxes$3,000,000476
Income before extraordinary items$4,984,000738
Extraordinary gains, net$022
Net income$4,984,000737
Minority interest net income$075
Net income of bank and minority interests.$4,984,000738
Net charge-offs$249,0001,046
Cash dividends$600,0001,719
Sale, conversion, retirement of capital stock, net$157,000321
Net operating income$4,984,000713
2015-03-31 (YTD Data)Rank
Total interest income$7,980,000802
Total interest expense$1,695,000404
Net interest income$6,285,000896
Provision for loan and lease losses$-602,0006,343
Total noninterest income$1,296,0001,069
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$49,0003,733
Trading account gains and fees$0152
Additional Noninterest Income$1,247,000786
Total noninterest expense$3,984,0001,260
Salaries and employee benefits$2,720,0001,049
Premises and equipment expense$212,0002,529
Additional noninterest expense$1,052,0001,461
Pre-tax net operating income$4,199,000561
Securities gains (losses)$02,027
Applicable income taxes$1,568,000453
Income before extraordinary items$2,631,000685
Extraordinary gains, net$013
Net income$2,631,000682
Minority interest net income$064
Net income of bank and minority interests.$2,631,000685
Net charge-offs$-268,0006,278
Cash dividends$300,0001,521
Sale, conversion, retirement of capital stock, net$53,000346
Net operating income$2,631,000662
2014-12-31 (YTD Data)Rank
Total interest income$30,897,000807
Total interest expense$7,057,000393
Net interest income$23,840,000929
Provision for loan and lease losses$589,0001,311
Total noninterest income$5,582,0001,012
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$182,0004,082
Trading account gains and fees$0180
Additional Noninterest Income$5,400,000713
Total noninterest expense$15,350,0001,290
Salaries and employee benefits$10,209,0001,071
Premises and equipment expense$888,0002,469
Additional noninterest expense$4,253,0001,482
Pre-tax net operating income$13,483,000624
Securities gains (losses)$03,259
Applicable income taxes$4,917,000504
Income before extraordinary items$8,566,000786
Extraordinary gains, net$017
Net income$8,566,000785
Minority interest net income$084
Net income of bank and minority interests.$8,566,000785
Net charge-offs$482,0001,504
Cash dividends$1,200,0001,801
Sale, conversion, retirement of capital stock, net$154,000477
Net operating income$8,566,000772
2014-09-30 (YTD Data)Rank
Total interest income$22,826,000821
Total interest expense$5,361,000390
Net interest income$17,465,000953
Provision for loan and lease losses$04,401
Total noninterest income$4,118,0001,032
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$140,0004,081
Trading account gains and fees$0174
Additional Noninterest Income$3,978,000719
Total noninterest expense$11,580,0001,293
Salaries and employee benefits$7,628,0001,079
Premises and equipment expense$669,0002,483
Additional noninterest expense$3,283,0001,451
Pre-tax net operating income$10,003,000632
Securities gains (losses)$02,980
Applicable income taxes$3,791,000498
Income before extraordinary items$6,212,000804
Extraordinary gains, net$015
Net income$6,212,000804
Minority interest net income$081
Net income of bank and minority interests.$6,212,000803
Net charge-offs$122,0002,501
Cash dividends$900,0001,610
Sale, conversion, retirement of capital stock, net$109,000446
Net operating income$6,212,000789
2014-06-30 (YTD Data)Rank
Total interest income$15,238,000818
Total interest expense$3,704,000373
Net interest income$11,534,000957
Provision for loan and lease losses$04,196
Total noninterest income$2,560,0001,072
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$97,0003,998
Trading account gains and fees$0172
Additional Noninterest Income$2,463,000742
Total noninterest expense$7,657,0001,300
Salaries and employee benefits$5,058,0001,079
Premises and equipment expense$437,0002,536
Additional noninterest expense$2,162,0001,462
Pre-tax net operating income$6,437,000645
Securities gains (losses)$02,580
Applicable income taxes$2,433,000496
Income before extraordinary items$4,004,000811
Extraordinary gains, net$020
Net income$4,004,000812
Minority interest net income$080
Net income of bank and minority interests.$4,004,000811
Net charge-offs$-60,0006,196
Cash dividends$600,0001,616
Sale, conversion, retirement of capital stock, net$58,000460
Net operating income$4,004,000795
2014-03-31 (YTD Data)Rank
Total interest income$7,463,000837
Total interest expense$1,878,000372
Net interest income$5,585,000996
Provision for loan and lease losses$03,817
Total noninterest income$1,103,0001,153
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$50,0003,922
Trading account gains and fees$0147
Additional Noninterest Income$1,053,000807
Total noninterest expense$3,879,0001,292
Salaries and employee benefits$2,581,0001,065
Premises and equipment expense$211,0002,662
Additional noninterest expense$1,087,0001,447
Pre-tax net operating income$2,809,000713
Securities gains (losses)$01,715
Applicable income taxes$1,051,000536
Income before extraordinary items$1,758,000895
Extraordinary gains, net$016
Net income$1,758,000896
Minority interest net income$066
Net income of bank and minority interests.$1,758,000896
Net charge-offs$-28,0006,147
Cash dividends$300,0001,415
Sale, conversion, retirement of capital stock, net$-3,0006,672
Net operating income$1,758,000867
2013-12-31 (YTD Data)Rank
Total interest income$32,243,000769
Total interest expense$8,250,000380
Net interest income$23,993,000893
Provision for loan and lease losses$4,200,000315
Total noninterest income$7,358,000855
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$206,0004,046
Trading account gains and fees$0184
Additional Noninterest Income$7,152,000615
Total noninterest expense$15,477,0001,290
Salaries and employee benefits$8,938,0001,213
Premises and equipment expense$885,0002,507
Additional noninterest expense$5,654,0001,189
Pre-tax net operating income$11,674,000671
Securities gains (losses)$03,182
Applicable income taxes$4,344,000503
Income before extraordinary items$7,330,000857
Extraordinary gains, net$029
Net income$7,330,000859
Minority interest net income$090
Net income of bank and minority interests.$7,330,000859
Net charge-offs$6,225,000280
Cash dividends$1,200,0001,704
Sale, conversion, retirement of capital stock, net$248,000388
Net operating income$7,330,000840
2013-09-30 (YTD Data)Rank
Total interest income$24,341,000767
Total interest expense$6,283,000381
Net interest income$18,058,000899
Provision for loan and lease losses$3,700,000276
Total noninterest income$7,647,000674
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$155,0004,081
Trading account gains and fees$0180
Additional Noninterest Income$7,492,000497
Total noninterest expense$12,190,0001,244
Salaries and employee benefits$7,283,0001,125
Premises and equipment expense$678,0002,471
Additional noninterest expense$4,229,0001,183
Pre-tax net operating income$9,815,000621
Securities gains (losses)$03,040
Applicable income taxes$3,739,000475
Income before extraordinary items$6,076,000794
Extraordinary gains, net$025
Net income$6,076,000796
Minority interest net income$084
Net income of bank and minority interests.$6,076,000796
Net charge-offs$5,977,000219
Cash dividends$900,0001,547
Sale, conversion, retirement of capital stock, net$183,000360
Net operating income$6,076,000768
2013-06-30 (YTD Data)Rank
Total interest income$16,390,000755
Total interest expense$4,296,000375
Net interest income$12,094,000882
Provision for loan and lease losses$3,000,000252
Total noninterest income$4,981,000694
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$100,0004,106
Trading account gains and fees$0157
Additional Noninterest Income$4,881,000514
Total noninterest expense$8,090,0001,251
Salaries and employee benefits$4,801,0001,139
Premises and equipment expense$463,0002,429
Additional noninterest expense$2,826,0001,176
Pre-tax net operating income$5,985,000649
Securities gains (losses)$02,791
Applicable income taxes$2,269,000499
Income before extraordinary items$3,716,000832
Extraordinary gains, net$022
Net income$3,716,000832
Minority interest net income$082
Net income of bank and minority interests.$3,716,000834
Net charge-offs$3,467,000288
Cash dividends$600,0001,519
Sale, conversion, retirement of capital stock, net$117,000347
Net operating income$3,716,000814
2013-03-31 (YTD Data)Rank
Total interest income$8,536,000732
Total interest expense$2,470,000342
Net interest income$6,066,000879
Provision for loan and lease losses$2,000,000207
Total noninterest income$2,408,000713
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$48,0004,162
Trading account gains and fees$0148
Additional Noninterest Income$2,360,000522
Total noninterest expense$3,837,0001,312
Salaries and employee benefits$2,377,0001,155
Premises and equipment expense$226,0002,510
Additional noninterest expense$1,234,0001,332
Pre-tax net operating income$2,637,000732
Securities gains (losses)$01,966
Applicable income taxes$991,000547
Income before extraordinary items$1,646,000923
Extraordinary gains, net$010
Net income$1,646,000924
Minority interest net income$076
Net income of bank and minority interests.$1,646,000925
Net charge-offs$466,000803
Cash dividends$300,0001,317
Sale, conversion, retirement of capital stock, net$51,000329
Net operating income$1,646,000878
2012-12-31 (YTD Data)Rank
Total interest income$33,732,000776
Total interest expense$9,062,000457
Net interest income$24,670,000869
Provision for loan and lease losses$4,200,000589
Total noninterest income$7,430,000843
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$189,0004,367
Trading account gains and fees$0166
Additional Noninterest Income$7,241,000603
Total noninterest expense$15,455,0001,293
Salaries and employee benefits$9,774,0001,078
Premises and equipment expense$875,0002,550
Additional noninterest expense$4,806,0001,414
Pre-tax net operating income$12,445,000604
Securities gains (losses)$354,0001,214
Applicable income taxes$4,818,000441
Income before extraordinary items$7,981,000753
Extraordinary gains, net$029
Net income$7,981,000750
Minority interest net income$093
Net income of bank and minority interests.$7,981,000753
Net charge-offs$769,0002,102
Cash dividends$1,200,0001,725
Sale, conversion, retirement of capital stock, net$200,000441
Net operating income$7,754,440722
2012-09-30 (YTD Data)Rank
Total interest income$24,928,000803
Total interest expense$7,018,000461
Net interest income$17,910,000917
Provision for loan and lease losses$3,000,000625
Total noninterest income$5,131,000895
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$141,0004,438
Trading account gains and fees$0157
Additional Noninterest Income$4,990,000642
Total noninterest expense$11,115,0001,340
Salaries and employee benefits$6,802,0001,155
Premises and equipment expense$641,0002,634
Additional noninterest expense$3,672,0001,384
Pre-tax net operating income$8,926,000635
Securities gains (losses)$354,000977
Applicable income taxes$3,497,000464
Income before extraordinary items$5,783,000790
Extraordinary gains, net$020
Net income$5,783,000788
Minority interest net income$086
Net income of bank and minority interests.$5,783,000790
Net charge-offs$61,0004,384
Cash dividends$900,0001,426
Sale, conversion, retirement of capital stock, net$148,000395
Net operating income$5,556,440763
2012-06-30 (YTD Data)Rank
Total interest income$16,515,000818
Total interest expense$4,932,000451
Net interest income$11,583,000949
Provision for loan and lease losses$1,800,000692
Total noninterest income$3,657,000843
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$88,0004,563
Trading account gains and fees$0153
Additional Noninterest Income$3,569,000611
Total noninterest expense$7,230,0001,370
Salaries and employee benefits$4,318,0001,215
Premises and equipment expense$412,0002,713
Additional noninterest expense$2,500,0001,361
Pre-tax net operating income$6,210,000606
Securities gains (losses)$354,000754
Applicable income taxes$2,483,000451
Income before extraordinary items$4,081,000751
Extraordinary gains, net$019
Net income$4,081,000750
Minority interest net income$084
Net income of bank and minority interests.$4,081,000751
Net charge-offs$241,0002,537
Cash dividends$600,0001,414
Sale, conversion, retirement of capital stock, net$96,000380
Net operating income$3,854,440739
2012-03-31 (YTD Data)Rank
Total interest income$8,469,000803
Total interest expense$2,802,000403
Net interest income$5,667,000968
Provision for loan and lease losses$600,000917
Total noninterest income$1,365,0001,043
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$41,0004,661
Trading account gains and fees$0148
Additional Noninterest Income$1,324,000743
Total noninterest expense$3,478,0001,408
Salaries and employee benefits$2,152,0001,210
Premises and equipment expense$201,0002,786
Additional noninterest expense$1,125,0001,494
Pre-tax net operating income$2,954,000629
Securities gains (losses)$354,000385
Applicable income taxes$1,242,000444
Income before extraordinary items$2,066,000730
Extraordinary gains, net$019
Net income$2,066,000731
Minority interest net income$078
Net income of bank and minority interests.$2,066,000731
Net charge-offs$14,0003,886
Cash dividends$300,0001,259
Sale, conversion, retirement of capital stock, net$45,000335
Net operating income$1,839,440770
2011-12-31 (YTD Data)Rank
Total interest income$33,745,000821
Total interest expense$11,563,000485
Net interest income$22,182,000987
Provision for loan and lease losses$4,475,000858
Total noninterest income$5,435,000969
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$225,0004,168
Trading account gains and fees$0146
Additional Noninterest Income$5,210,000677
Total noninterest expense$12,710,0001,537
Salaries and employee benefits$7,582,0001,299
Premises and equipment expense$854,0002,769
Additional noninterest expense$4,274,0001,599
Pre-tax net operating income$10,432,000594
Securities gains (losses)$03,838
Applicable income taxes$3,827,000485
Income before extraordinary items$6,605,000762
Extraordinary gains, net$029
Net income$6,605,000760
Minority interest net income$096
Net income of bank and minority interests.$6,605,000762
Net charge-offs$8,630,000535
Cash dividends$1,200,0001,426
Sale, conversion, retirement of capital stock, net$227,000519
Net operating income$6,605,000729
2011-09-30 (YTD Data)Rank
Total interest income$25,467,000834
Total interest expense$8,939,000492
Net interest income$16,528,0001,001
Provision for loan and lease losses$3,475,000828
Total noninterest income$3,852,0001,023
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$180,0004,064
Trading account gains and fees$0145
Additional Noninterest Income$3,672,000721
Total noninterest expense$9,643,0001,518
Salaries and employee benefits$6,009,0001,239
Premises and equipment expense$657,0002,732
Additional noninterest expense$2,977,0001,712
Pre-tax net operating income$7,262,000666
Securities gains (losses)$03,555
Applicable income taxes$2,655,000507
Income before extraordinary items$4,607,000834
Extraordinary gains, net$021
Net income$4,607,000833
Minority interest net income$087
Net income of bank and minority interests.$4,607,000834
Net charge-offs$4,620,000667
Cash dividends$900,0001,255
Sale, conversion, retirement of capital stock, net$189,000458
Net operating income$4,607,000796
2011-06-30 (YTD Data)Rank
Total interest income$17,047,000845
Total interest expense$6,114,000506
Net interest income$10,933,0001,010
Provision for loan and lease losses$2,425,000797
Total noninterest income$2,657,000998
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$125,0003,955
Trading account gains and fees$0153
Additional Noninterest Income$2,532,000708
Total noninterest expense$6,174,0001,594
Salaries and employee benefits$3,947,0001,261
Premises and equipment expense$437,0002,744
Additional noninterest expense$1,790,0001,903
Pre-tax net operating income$4,991,000637
Securities gains (losses)$02,914
Applicable income taxes$1,837,000492
Income before extraordinary items$3,154,000793
Extraordinary gains, net$015
Net income$3,154,000792
Minority interest net income$089
Net income of bank and minority interests.$3,154,000793
Net charge-offs$3,796,000580
Cash dividends$600,0001,233
Sale, conversion, retirement of capital stock, net$129,000372
Net operating income$3,154,000761
2011-03-31 (YTD Data)Rank
Total interest income$8,643,000845
Total interest expense$3,151,000508
Net interest income$5,492,0001,004
Provision for loan and lease losses$750,0001,063
Total noninterest income$1,499,000913
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$62,0003,939
Trading account gains and fees$0158
Additional Noninterest Income$1,437,000650
Total noninterest expense$3,135,0001,580
Salaries and employee benefits$1,963,0001,278
Premises and equipment expense$219,0002,781
Additional noninterest expense$953,0001,779
Pre-tax net operating income$3,106,000534
Securities gains (losses)$01,772
Applicable income taxes$1,172,000408
Income before extraordinary items$1,934,000675
Extraordinary gains, net$09
Net income$1,934,000672
Minority interest net income$086
Net income of bank and minority interests.$1,934,000675
Net charge-offs$301,0001,748
Cash dividends$300,0001,106
Sale, conversion, retirement of capital stock, net$69,000311
Net operating income$1,934,000663
2010-12-31 (YTD Data)Rank
Total interest income$33,864,000902
Total interest expense$14,090,000561
Net interest income$19,774,0001,132
Provision for loan and lease losses$4,620,0001,215
Total noninterest income$5,638,000977
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$262,0003,913
Trading account gains and fees$0175
Additional Noninterest Income$5,376,000705
Total noninterest expense$10,727,0001,836
Salaries and employee benefits$6,568,0001,502
Premises and equipment expense$697,0003,311
Additional noninterest expense$3,462,0002,023
Pre-tax net operating income$10,065,000551
Securities gains (losses)$03,793
Applicable income taxes$3,674,000459
Income before extraordinary items$6,391,000701
Extraordinary gains, net$029
Net income$6,391,000699
Minority interest net income$0111
Net income of bank and minority interests.$6,391,000702
Net charge-offs$4,277,0001,153
Cash dividends$1,200,0001,289
Sale, conversion, retirement of capital stock, net$247,000592
Net operating income$6,391,000672
2010-09-30 (YTD Data)Rank
Total interest income$25,215,000918
Total interest expense$10,841,000571
Net interest income$14,374,0001,183
Provision for loan and lease losses$2,420,0001,461
Total noninterest income$3,577,0001,111
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$199,0003,966
Trading account gains and fees$0165
Additional Noninterest Income$3,378,000757
Total noninterest expense$7,896,0001,855
Salaries and employee benefits$4,902,0001,510
Premises and equipment expense$500,0003,493
Additional noninterest expense$2,494,0002,070
Pre-tax net operating income$7,635,000563
Securities gains (losses)$03,651
Applicable income taxes$2,845,000441
Income before extraordinary items$4,790,000724
Extraordinary gains, net$023
Net income$4,790,000723
Minority interest net income$0110
Net income of bank and minority interests.$4,790,000724
Net charge-offs$1,731,0001,647
Cash dividends$900,0001,140
Sale, conversion, retirement of capital stock, net$182,000521
Net operating income$4,790,000688
2010-06-30 (YTD Data)Rank
Total interest income$16,636,000939
Total interest expense$7,461,000568
Net interest income$9,175,0001,243
Provision for loan and lease losses$520,0002,801
Total noninterest income$2,271,0001,122
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$129,0004,009
Trading account gains and fees$0152
Additional Noninterest Income$2,142,000765
Total noninterest expense$5,188,0001,893
Salaries and employee benefits$3,245,0001,526
Premises and equipment expense$326,0003,581
Additional noninterest expense$1,617,0002,115
Pre-tax net operating income$5,738,000480
Securities gains (losses)$03,184
Applicable income taxes$2,158,000381
Income before extraordinary items$3,580,000634
Extraordinary gains, net$019
Net income$3,580,000635
Minority interest net income$0105
Net income of bank and minority interests.$3,580,000635
Net charge-offs$1,099,0001,626
Cash dividends$600,0001,128
Sale, conversion, retirement of capital stock, net$122,000444
Net operating income$3,580,000606
2010-03-31 (YTD Data)Rank
Total interest income$8,318,000961
Total interest expense$3,866,000579
Net interest income$4,452,0001,295
Provision for loan and lease losses$220,0002,876
Total noninterest income$1,268,0001,001
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$64,0004,014
Trading account gains and fees$0175
Additional Noninterest Income$1,204,000689
Total noninterest expense$2,591,0001,913
Salaries and employee benefits$1,608,0001,551
Premises and equipment expense$161,0003,699
Additional noninterest expense$822,0002,064
Pre-tax net operating income$2,909,000464
Securities gains (losses)$02,284
Applicable income taxes$1,096,000357
Income before extraordinary items$1,813,000621
Extraordinary gains, net$016
Net income$1,813,000625
Minority interest net income$091
Net income of bank and minority interests.$1,813,000625
Net charge-offs$-1,0006,806
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$61,000373
Net operating income$1,813,000598
2009-12-31 (YTD Data)Rank
Total interest income$33,949,0001,001
Total interest expense$18,466,000615
Net interest income$15,483,0001,440
Provision for loan and lease losses$9,451,000917
Total noninterest income$4,639,0001,170
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$282,0004,008
Trading account gains and fees$0211
Additional Noninterest Income$4,357,000796
Total noninterest expense$8,809,0002,246
Salaries and employee benefits$5,289,0001,869
Premises and equipment expense$564,0004,060
Additional noninterest expense$2,956,0002,377
Pre-tax net operating income$1,862,0002,025
Securities gains (losses)$03,754
Applicable income taxes$354,0001,881
Income before extraordinary items$1,508,0002,109
Extraordinary gains, net$034
Net income$1,508,0002,106
Minority interest net income$0115
Net income of bank and minority interests.$1,508,0002,108
Net charge-offs$1,659,0002,261
Cash dividends$1,200,0001,416
Sale, conversion, retirement of capital stock, net$224,000689
Net operating income$1,508,0002,078
2009-09-30 (YTD Data)Rank
Total interest income$25,190,0001,031
Total interest expense$14,163,000643
Net interest income$11,027,0001,527
Provision for loan and lease losses$2,701,0001,576
Total noninterest income$3,481,0001,181
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$213,0004,003
Trading account gains and fees$0212
Additional Noninterest Income$3,268,000812
Total noninterest expense$7,155,0002,104
Salaries and employee benefits$4,534,0001,654
Premises and equipment expense$408,0004,203
Additional noninterest expense$2,213,0002,354
Pre-tax net operating income$4,652,000735
Securities gains (losses)$03,497
Applicable income taxes$1,601,000560
Income before extraordinary items$3,051,000888
Extraordinary gains, net$027
Net income$3,051,000889
Minority interest net income$0118
Net income of bank and minority interests.$3,051,000889
Net charge-offs$273,0003,855
Cash dividends$900,0001,363
Sale, conversion, retirement of capital stock, net$168,000621
Net operating income$3,051,000876
2009-06-30 (YTD Data)Rank
Total interest income$16,510,0001,074
Total interest expense$9,474,000682
Net interest income$7,036,0001,593
Provision for loan and lease losses$971,0002,102
Total noninterest income$2,268,0001,212
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$132,0004,122
Trading account gains and fees$0193
Additional Noninterest Income$2,136,000839
Total noninterest expense$4,736,0002,137
Salaries and employee benefits$2,943,0001,735
Premises and equipment expense$263,0004,316
Additional noninterest expense$1,530,0002,292
Pre-tax net operating income$3,597,000630
Securities gains (losses)$03,136
Applicable income taxes$1,254,000497
Income before extraordinary items$2,343,000796
Extraordinary gains, net$021
Net income$2,343,000794
Minority interest net income$0112
Net income of bank and minority interests.$2,343,000796
Net charge-offs$269,0003,061
Cash dividends$600,0001,412
Sale, conversion, retirement of capital stock, net$112,000580
Net operating income$2,343,000767
2009-03-31 (YTD Data)Rank
Total interest income$8,096,0001,111
Total interest expense$4,726,000704
Net interest income$3,370,0001,659
Provision for loan and lease losses$480,0001,810
Total noninterest income$989,0001,293
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$68,0004,022
Trading account gains and fees$0171
Additional Noninterest Income$921,000906
Total noninterest expense$2,075,0002,340
Salaries and employee benefits$1,486,0001,747
Premises and equipment expense$133,0004,317
Additional noninterest expense$456,0003,243
Pre-tax net operating income$1,804,000690
Securities gains (losses)$02,434
Applicable income taxes$641,000511
Income before extraordinary items$1,163,000915
Extraordinary gains, net$015
Net income$1,163,000915
Minority interest net income$0102
Net income of bank and minority interests.$1,163,000917
Net charge-offs$-3,0007,537
Cash dividends$300,0001,336
Sale, conversion, retirement of capital stock, net$56,000475
Net operating income$1,163,000858
2008-12-31 (YTD Data)Rank
Total interest income$33,483,0001,145
Total interest expense$20,281,000773
Net interest income$13,202,0001,682
Provision for loan and lease losses$2,141,0001,715
Total noninterest income$2,961,0001,588
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$193,0004,865
Trading account gains and fees$0154
Additional Noninterest Income$2,768,0001,029
Total noninterest expense$7,699,0002,460
Salaries and employee benefits$5,289,0001,911
Premises and equipment expense$553,0004,202
Additional noninterest expense$1,857,0003,057
Pre-tax net operating income$6,323,000885
Securities gains (losses)$03,220
Applicable income taxes$2,201,000622
Income before extraordinary items$4,122,000999
Extraordinary gains, net$039
Net income$4,122,000999
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,720,0001,423
Cash dividends$1,200,0002,027
Sale, conversion, retirement of capital stock, net$196,000784
Net operating income$4,122,0001,069
2008-09-30 (YTD Data)Rank
Total interest income$25,092,0001,169
Total interest expense$15,407,000795
Net interest income$9,685,0001,736
Provision for loan and lease losses$1,401,0001,492
Total noninterest income$2,057,0001,743
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$140,0004,964
Trading account gains and fees$0148
Additional Noninterest Income$1,917,0001,142
Total noninterest expense$5,761,0002,448
Salaries and employee benefits$4,040,0001,911
Premises and equipment expense$411,0004,225
Additional noninterest expense$1,310,0003,123
Pre-tax net operating income$4,580,0001,101
Securities gains (losses)$03,106
Applicable income taxes$1,535,000820
Income before extraordinary items$3,045,0001,221
Extraordinary gains, net$031
Net income$3,045,0001,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$964,0001,337
Cash dividends$900,0001,947
Sale, conversion, retirement of capital stock, net$147,000664
Net operating income$3,045,0001,285
2008-06-30 (YTD Data)Rank
Total interest income$16,610,0001,190
Total interest expense$10,227,000832
Net interest income$6,383,0001,748
Provision for loan and lease losses$1,055,0001,181
Total noninterest income$1,356,0001,771
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$88,0005,077
Trading account gains and fees$0149
Additional Noninterest Income$1,268,0001,190
Total noninterest expense$3,751,0002,520
Salaries and employee benefits$2,627,0001,979
Premises and equipment expense$268,0004,319
Additional noninterest expense$856,0003,150
Pre-tax net operating income$2,933,0001,214
Securities gains (losses)$03,233
Applicable income taxes$980,000962
Income before extraordinary items$1,953,0001,422
Extraordinary gains, net$021
Net income$1,953,0001,423
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$960,000888
Cash dividends$600,0002,026
Sale, conversion, retirement of capital stock, net$98,000590
Net operating income$1,953,0001,393
2008-03-31 (YTD Data)Rank
Total interest income$8,411,0001,211
Total interest expense$5,094,000897
Net interest income$3,317,0001,678
Provision for loan and lease losses$393,0001,171
Total noninterest income$881,0001,468
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$42,0005,126
Trading account gains and fees$0158
Additional Noninterest Income$839,000964
Total noninterest expense$1,906,0002,474
Salaries and employee benefits$1,344,0001,958
Premises and equipment expense$141,0004,177
Additional noninterest expense$421,0003,160
Pre-tax net operating income$1,899,000998
Securities gains (losses)$02,688
Applicable income taxes$645,000831
Income before extraordinary items$1,254,0001,200
Extraordinary gains, net$015
Net income$1,254,0001,203
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0008,082
Cash dividends$300,0001,850
Sale, conversion, retirement of capital stock, net$49,000479
Net operating income$1,254,0001,161
2007-12-31 (YTD Data)Rank
Total interest income$32,883,0001,290
Total interest expense$19,856,000988
Net interest income$13,027,0001,740
Provision for loan and lease losses$312,0003,118
Total noninterest income$3,176,0001,572
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$160,0005,320
Trading account gains and fees$0178
Additional Noninterest Income$3,016,0001,015
Total noninterest expense$7,109,0002,552
Salaries and employee benefits$4,788,0002,107
Premises and equipment expense$509,0004,303
Additional noninterest expense$1,812,0002,912
Pre-tax net operating income$8,782,000969
Securities gains (losses)$02,146
Applicable income taxes$3,099,000792
Income before extraordinary items$5,683,0001,136
Extraordinary gains, net$039
Net income$5,683,0001,134
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0005,544
Cash dividends$1,186,0002,378
Sale, conversion, retirement of capital stock, net$106,000916
Net operating income$5,683,0001,122
2007-09-30 (YTD Data)Rank
Total interest income$24,146,0001,330
Total interest expense$14,510,0001,014
Net interest income$9,636,0001,767
Provision for loan and lease losses$304,0002,293
Total noninterest income$1,758,0001,979
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$121,0005,323
Trading account gains and fees$0184
Additional Noninterest Income$1,637,0001,306
Total noninterest expense$4,972,0002,693
Salaries and employee benefits$3,441,0002,193
Premises and equipment expense$371,0004,385
Additional noninterest expense$1,160,0003,283
Pre-tax net operating income$6,118,0001,116
Securities gains (losses)$01,655
Applicable income taxes$2,053,000942
Income before extraordinary items$4,065,0001,270
Extraordinary gains, net$033
Net income$4,065,0001,268
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0005,700
Cash dividends$886,0002,193
Sale, conversion, retirement of capital stock, net$81,000803
Net operating income$4,065,0001,260
2007-06-30 (YTD Data)Rank
Total interest income$15,597,0001,388
Total interest expense$9,258,0001,063
Net interest income$6,339,0001,809
Provision for loan and lease losses$200,0002,152
Total noninterest income$1,048,0002,175
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$81,0005,338
Trading account gains and fees$0168
Additional Noninterest Income$967,0001,436
Total noninterest expense$3,387,0002,673
Salaries and employee benefits$2,399,0002,133
Premises and equipment expense$246,0004,433
Additional noninterest expense$742,0003,387
Pre-tax net operating income$3,800,0001,248
Securities gains (losses)$01,444
Applicable income taxes$1,274,0001,051
Income before extraordinary items$2,526,0001,397
Extraordinary gains, net$029
Net income$2,526,0001,395
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,420
Cash dividends$586,0002,243
Sale, conversion, retirement of capital stock, net$54,000721
Net operating income$2,526,0001,378
2007-03-31 (YTD Data)Rank
Total interest income$7,425,0001,452
Total interest expense$4,445,0001,091
Net interest income$2,980,0001,933
Provision for loan and lease losses$122,0001,737
Total noninterest income$522,0002,151
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$43,0005,170
Trading account gains and fees$0195
Additional Noninterest Income$479,0001,408
Total noninterest expense$1,711,0002,661
Salaries and employee benefits$1,222,0002,101
Premises and equipment expense$119,0004,538
Additional noninterest expense$370,0003,378
Pre-tax net operating income$1,669,0001,398
Securities gains (losses)$01,187
Applicable income taxes$555,0001,188
Income before extraordinary items$1,114,0001,547
Extraordinary gains, net$022
Net income$1,114,0001,548
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0003,204
Cash dividends$286,0002,073
Sale, conversion, retirement of capital stock, net$27,000613
Net operating income$1,114,0001,535
2006-12-31 (YTD Data)Rank
Total interest income$25,476,0001,583
Total interest expense$14,187,0001,182
Net interest income$11,289,0002,061
Provision for loan and lease losses$708,0001,399
Total noninterest income$2,305,0002,000
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$138,0005,670
Trading account gains and fees$0130
Additional Noninterest Income$2,167,0001,282
Total noninterest expense$5,895,0002,913
Salaries and employee benefits$4,002,0002,447
Premises and equipment expense$483,0004,370
Additional noninterest expense$1,410,0003,461
Pre-tax net operating income$6,991,0001,412
Securities gains (losses)$-114,0008,250
Applicable income taxes$2,181,0001,239
Income before extraordinary items$4,696,0001,548
Extraordinary gains, net$051
Net income$4,696,0001,549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$116,0002,944
Cash dividends$1,008,0002,526
Sale, conversion, retirement of capital stock, net$1,532,000447
Net operating income$4,773,5201,503
2006-09-30 (YTD Data)Rank
Total interest income$18,365,0001,622
Total interest expense$9,956,0001,233
Net interest income$8,409,0002,083
Provision for loan and lease losses$689,0001,065
Total noninterest income$1,513,0002,212
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$102,0005,761
Trading account gains and fees$0126
Additional Noninterest Income$1,411,0001,419
Total noninterest expense$4,178,0003,053
Salaries and employee benefits$2,897,0002,511
Premises and equipment expense$329,0004,648
Additional noninterest expense$952,0003,758
Pre-tax net operating income$5,055,0001,493
Securities gains (losses)$01,388
Applicable income taxes$1,772,0001,212
Income before extraordinary items$3,283,0001,695
Extraordinary gains, net$045
Net income$3,283,0001,696
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0003,411
Cash dividends$755,0002,323
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,283,0001,679
2006-06-30 (YTD Data)Rank
Total interest income$11,732,0001,663
Total interest expense$6,104,0001,283
Net interest income$5,628,0002,080
Provision for loan and lease losses$464,0001,040
Total noninterest income$968,0002,275
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$68,0005,764
Trading account gains and fees$0126
Additional Noninterest Income$900,0001,472
Total noninterest expense$2,619,0003,227
Salaries and employee benefits$1,853,0002,615
Premises and equipment expense$216,0004,701
Additional noninterest expense$550,0004,189
Pre-tax net operating income$3,513,0001,436
Securities gains (losses)$01,185
Applicable income taxes$1,243,0001,163
Income before extraordinary items$2,270,0001,611
Extraordinary gains, net$039
Net income$2,270,0001,612
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0002,680
Cash dividends$503,0002,342
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,270,0001,600
2006-03-31 (YTD Data)Rank
Total interest income$5,525,0001,724
Total interest expense$2,855,0001,307
Net interest income$2,670,0002,182
Provision for loan and lease losses$164,0001,334
Total noninterest income$454,0002,341
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$32,0005,806
Trading account gains and fees$0115
Additional Noninterest Income$422,0001,513
Total noninterest expense$1,284,0003,306
Salaries and employee benefits$933,0002,601
Premises and equipment expense$105,0004,798
Additional noninterest expense$246,0004,529
Pre-tax net operating income$1,676,0001,472
Securities gains (losses)$0955
Applicable income taxes$591,0001,214
Income before extraordinary items$1,085,0001,652
Extraordinary gains, net$021
Net income$1,085,0001,651
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0002,099
Cash dividends$252,0002,128
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,085,0001,635
2005-12-31 (YTD Data)Rank
Total interest income$18,313,0001,840
Total interest expense$9,047,0001,251
Net interest income$9,266,0002,388
Provision for loan and lease losses$381,0002,361
Total noninterest income$1,409,0002,808
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$103,0006,251
Trading account gains and fees$0138
Additional Noninterest Income$1,306,0001,840
Total noninterest expense$4,552,0003,497
Salaries and employee benefits$3,110,0002,882
Premises and equipment expense$315,0005,589
Additional noninterest expense$1,127,0004,052
Pre-tax net operating income$5,742,0001,633
Securities gains (losses)$02,296
Applicable income taxes$2,001,0001,362
Income before extraordinary items$3,741,0001,838
Extraordinary gains, net$046
Net income$3,741,0001,837
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$410,0001,370
Cash dividends$873,0002,705
Sale, conversion, retirement of capital stock, net$1,000,000471
Net operating income$3,741,0001,817
2005-09-30 (YTD Data)Rank
Total interest income$12,956,0001,894
Total interest expense$6,393,0001,254
Net interest income$6,563,0002,473
Provision for loan and lease losses$187,0003,066
Total noninterest income$1,053,0002,799
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$75,0006,328
Trading account gains and fees$0126
Additional Noninterest Income$978,0001,848
Total noninterest expense$3,314,0003,554
Salaries and employee benefits$2,295,0002,886
Premises and equipment expense$225,0005,737
Additional noninterest expense$794,0004,201
Pre-tax net operating income$4,115,0001,722
Securities gains (losses)$02,317
Applicable income taxes$1,430,0001,437
Income before extraordinary items$2,685,0001,953
Extraordinary gains, net$035
Net income$2,685,0001,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$111,0002,414
Cash dividends$621,0002,472
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,685,0001,914
2005-06-30 (YTD Data)Rank
Total interest income$8,031,0001,973
Total interest expense$3,985,0001,260
Net interest income$4,046,0002,622
Provision for loan and lease losses$149,0002,730
Total noninterest income$732,0002,691
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$45,0006,448
Trading account gains and fees$0116
Additional Noninterest Income$687,0001,767
Total noninterest expense$2,159,0003,600
Salaries and employee benefits$1,522,0002,889
Premises and equipment expense$140,0005,912
Additional noninterest expense$497,0004,397
Pre-tax net operating income$2,470,0001,864
Securities gains (losses)$02,146
Applicable income taxes$850,0001,548
Income before extraordinary items$1,620,0002,090
Extraordinary gains, net$030
Net income$1,620,0002,089
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$112,0001,780
Cash dividends$412,0002,483
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,620,0002,054
2005-03-31 (YTD Data)Rank
Total interest income$3,812,0002,031
Total interest expense$1,852,0001,287
Net interest income$1,960,0002,697
Provision for loan and lease losses$112,0001,880
Total noninterest income$320,0002,902
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$19,0006,673
Trading account gains and fees$0115
Additional Noninterest Income$301,0001,886
Total noninterest expense$1,086,0003,608
Salaries and employee benefits$776,0002,834
Premises and equipment expense$66,0006,121
Additional noninterest expense$244,0004,430
Pre-tax net operating income$1,082,0002,037
Securities gains (losses)$01,685
Applicable income taxes$377,0001,680
Income before extraordinary items$705,0002,314
Extraordinary gains, net$024
Net income$705,0002,315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$203,0002,174
Sale, conversion, retirement of capital stock, net$0491
Net operating income$705,0002,275
2004-12-31 (YTD Data)Rank
Total interest income$13,634,0002,097
Total interest expense$5,997,0001,368
Net interest income$7,637,0002,645
Provision for loan and lease losses$279,0003,058
Total noninterest income$1,178,0003,169
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$107,0006,373
Trading account gains and fees$0138
Additional Noninterest Income$1,071,0002,053
Total noninterest expense$3,765,0003,927
Salaries and employee benefits$2,456,0003,396
Premises and equipment expense$295,0005,717
Additional noninterest expense$1,014,0004,293
Pre-tax net operating income$4,771,0001,769
Securities gains (losses)$-2,0007,892
Applicable income taxes$1,845,0001,370
Income before extraordinary items$2,924,0002,126
Extraordinary gains, net$034
Net income$2,924,0002,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$195,0002,612
Cash dividends$763,0002,799
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,925,2802,076
2004-09-30 (YTD Data)Rank
Total interest income$10,019,0002,123
Total interest expense$4,409,0001,364
Net interest income$5,610,0002,676
Provision for loan and lease losses$329,0002,098
Total noninterest income$764,0003,520
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$88,0006,250
Trading account gains and fees$0134
Additional Noninterest Income$676,0002,316
Total noninterest expense$2,708,0004,046
Salaries and employee benefits$1,796,0003,434
Premises and equipment expense$221,0005,691
Additional noninterest expense$691,0004,576
Pre-tax net operating income$3,337,0001,879
Securities gains (losses)$-2,0008,174
Applicable income taxes$1,252,0001,489
Income before extraordinary items$2,083,0002,237
Extraordinary gains, net$026
Net income$2,083,0002,239
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0003,301
Cash dividends$572,0002,494
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,084,2802,179
2004-06-30 (YTD Data)Rank
Total interest income$6,533,0002,150
Total interest expense$2,864,0001,392
Net interest income$3,669,0002,711
Provision for loan and lease losses$285,0001,655
Total noninterest income$559,0003,321
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$64,0006,133
Trading account gains and fees$0130
Additional Noninterest Income$495,0002,204
Total noninterest expense$1,834,0004,015
Salaries and employee benefits$1,234,0003,356
Premises and equipment expense$144,0005,789
Additional noninterest expense$456,0004,639
Pre-tax net operating income$2,109,0001,954
Securities gains (losses)$-1,0008,365
Applicable income taxes$769,0001,571
Income before extraordinary items$1,339,0002,291
Extraordinary gains, net$021
Net income$1,339,0002,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0002,594
Cash dividends$382,0002,541
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,339,6402,227
2004-03-31 (YTD Data)Rank
Total interest income$3,200,0002,186
Total interest expense$1,422,0001,406
Net interest income$1,778,0002,800
Provision for loan and lease losses$90,0002,254
Total noninterest income$294,0003,156
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$37,0005,836
Trading account gains and fees$0121
Additional Noninterest Income$257,0002,090
Total noninterest expense$903,0004,080
Salaries and employee benefits$594,0003,498
Premises and equipment expense$75,0005,696
Additional noninterest expense$234,0004,538
Pre-tax net operating income$1,079,0001,888
Securities gains (losses)$02,934
Applicable income taxes$395,0001,569
Income before extraordinary items$684,0002,222
Extraordinary gains, net$016
Net income$684,0002,223
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,417
Cash dividends$191,0002,258
Sale, conversion, retirement of capital stock, net$0464
Net operating income$684,0002,146
2003-12-31 (YTD Data)Rank
Total interest income$15,150,0001,868
Total interest expense$7,779,0001,157
Net interest income$7,371,0002,622
Provision for loan and lease losses$648,0001,744
Total noninterest income$1,680,0002,610
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$142,0005,959
Trading account gains and fees$0160
Additional Noninterest Income$1,538,0001,786
Total noninterest expense$4,135,0003,623
Salaries and employee benefits$2,930,0002,821
Premises and equipment expense$302,0005,646
Additional noninterest expense$903,0004,618
Pre-tax net operating income$4,268,0001,885
Securities gains (losses)$04,500
Applicable income taxes$1,507,0001,618
Income before extraordinary items$2,761,0002,197
Extraordinary gains, net$054
Net income$2,761,0002,198
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0006,602
Cash dividends$627,0003,127
Sale, conversion, retirement of capital stock, net$1,000,000414
Net operating income$2,761,0002,096
2003-09-30 (YTD Data)Rank
Total interest income$11,741,0001,854
Total interest expense$6,127,0001,148
Net interest income$5,614,0002,593
Provision for loan and lease losses$641,0001,329
Total noninterest income$1,383,0002,498
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$108,0005,977
Trading account gains and fees$0153
Additional Noninterest Income$1,275,0001,728
Total noninterest expense$3,076,0003,621
Salaries and employee benefits$2,190,0002,842
Premises and equipment expense$243,0005,418
Additional noninterest expense$643,0004,765
Pre-tax net operating income$3,280,0001,901
Securities gains (losses)$04,204
Applicable income taxes$1,185,0001,631
Income before extraordinary items$2,095,0002,234
Extraordinary gains, net$040
Net income$2,095,0002,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0005,966
Cash dividends$450,0002,830
Sale, conversion, retirement of capital stock, net$1,000,000304
Net operating income$2,095,0002,118
2003-06-30 (YTD Data)Rank
Total interest income$7,547,0001,924
Total interest expense$3,853,0001,245
Net interest income$3,694,0002,635
Provision for loan and lease losses$385,0001,449
Total noninterest income$869,0002,594
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$71,0005,997
Trading account gains and fees$0150
Additional Noninterest Income$798,0001,780
Total noninterest expense$2,087,0003,557
Salaries and employee benefits$1,477,0002,818
Premises and equipment expense$157,0005,505
Additional noninterest expense$453,0004,575
Pre-tax net operating income$2,091,0001,962
Securities gains (losses)$03,782
Applicable income taxes$754,0001,711
Income before extraordinary items$1,337,0002,325
Extraordinary gains, net$030
Net income$1,337,0002,323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0005,047
Cash dividends$300,0002,868
Sale, conversion, retirement of capital stock, net$1,000,000202
Net operating income$1,337,0002,197
2003-03-31 (YTD Data)Rank
Total interest income$3,593,0002,039
Total interest expense$1,906,0001,278
Net interest income$1,687,0002,858
Provision for loan and lease losses$75,0002,805
Total noninterest income$417,0002,588
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$34,0006,012
Trading account gains and fees$0134
Additional Noninterest Income$383,0001,792
Total noninterest expense$1,014,0003,617
Salaries and employee benefits$716,0002,898
Premises and equipment expense$81,0005,408
Additional noninterest expense$217,0004,673
Pre-tax net operating income$1,015,0002,010
Securities gains (losses)$02,891
Applicable income taxes$366,0001,752
Income before extraordinary items$649,0002,355
Extraordinary gains, net$021
Net income$649,0002,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0003,694
Cash dividends$150,0002,511
Sale, conversion, retirement of capital stock, net$1,000,000100
Net operating income$649,0002,226
2002-12-31 (YTD Data)Rank
Total interest income$14,060,0002,189
Total interest expense$8,022,0001,399
Net interest income$6,038,0003,120
Provision for loan and lease losses$823,0001,587
Total noninterest income$1,194,0003,086
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$95,0006,657
Trading account gains and fees$0153
Additional Noninterest Income$1,099,0002,052
Total noninterest expense$3,377,0004,081
Salaries and employee benefits$2,365,0003,268
Premises and equipment expense$291,0005,679
Additional noninterest expense$721,0005,309
Pre-tax net operating income$3,032,0002,484
Securities gains (losses)$04,537
Applicable income taxes$1,081,0002,094
Income before extraordinary items$1,951,0002,856
Extraordinary gains, net$070
Net income$1,951,0002,854
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,924
Cash dividends$536,0003,339
Sale, conversion, retirement of capital stock, net$2,000,000287
Net operating income$1,951,0002,769
2001-12-31 (YTD Data)Rank
Total interest income$11,882,0002,860
Total interest expense$7,359,0002,181
Net interest income$4,523,0003,748
Provision for loan and lease losses$890,0001,372
Total noninterest income$1,082,0003,166
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$53,0007,544
Trading account gains and fees$0177
Additional Noninterest Income$1,029,0001,996
Total noninterest expense$2,690,0004,712
Salaries and employee benefits$1,839,0003,851
Premises and equipment expense$249,0006,100
Additional noninterest expense$602,0005,826
Pre-tax net operating income$2,025,0003,145
Securities gains (losses)$1,0004,410
Applicable income taxes$684,0002,716
Income before extraordinary items$1,342,0003,511
Extraordinary gains, net$0105
Net income$1,342,0003,514
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,439
Cash dividends$500,0003,435
Sale, conversion, retirement of capital stock, net$5,000,000183
Net operating income$1,341,3403,414
2000-12-31 (YTD Data)Rank
Total interest income$9,419,0003,576
Total interest expense$5,925,0002,821
Net interest income$3,494,0004,612
Provision for loan and lease losses$651,0001,496
Total noninterest income$788,0003,689
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$38,0007,905
Trading account gains and feesNANA
Additional Noninterest Income$750,0002,248
Total noninterest expense$2,132,0005,447
Salaries and employee benefits$1,532,0004,290
Premises and equipment expense$111,0008,251
Additional noninterest expense$489,0006,513
Pre-tax net operating income$1,499,0004,070
Securities gains (losses)$01,956
Applicable income taxes$588,0003,146
Income before extraordinary items$911,0004,643
Extraordinary gains, net$038
Net income$911,0004,642
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0006,934
Cash dividends$430,0003,821
Sale, conversion, retirement of capital stock, net$0969
Net operating income$911,0004,647
1999-12-31 (YTD Data)Rank
Total interest income$6,520,0004,662
Total interest expense$3,928,0003,640
Net interest income$2,592,0005,674
Provision for loan and lease losses$301,0002,616
Total noninterest income$618,0004,342
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$22,0008,460
Trading account gains and feesNANA
Additional Noninterest Income$596,0002,643
Total noninterest expense$1,804,0006,079
Salaries and employee benefits$1,264,0004,974
Premises and equipment expense$127,0008,090
Additional noninterest expense$413,0007,161
Pre-tax net operating income$1,105,0005,011
Securities gains (losses)$03,155
Applicable income taxes$435,0003,947
Income before extraordinary items$670,0005,592
Extraordinary gains, net$035
Net income$670,0005,589
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,765
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$670,0005,554
1998-12-31 (YTD Data)Rank
Total interest income$4,676,0005,929
Total interest expense$2,831,0004,925
Net interest income$1,845,0006,955
Provision for loan and lease losses$387,0002,124
Total noninterest income$803,0003,620
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$12,0008,845
Trading account gains and feesNANA
Additional Noninterest Income$791,0002,189
Total noninterest expense$1,539,0006,577
Salaries and employee benefits$1,034,0005,646
Premises and equipment expense$103,0008,641
Additional noninterest expense$402,0007,203
Pre-tax net operating income$722,0006,400
Securities gains (losses)$04,449
Applicable income taxes$280,0005,367
Income before extraordinary items$442,0006,973
Extraordinary gains, net$032
Net income$442,0006,971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$112,0003,434
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$1,250,000439
Net operating income$442,0006,870
1997-12-31 (YTD Data)Rank
Total interest income$1,615,0009,539
Total interest expense$891,0008,993
Net interest income$724,0009,871
Provision for loan and lease losses$303,0002,554
Total noninterest income$20,00010,689
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,453
Trading account gains and feesNANA
Additional Noninterest Income$19,0009,900
Total noninterest expense$640,0009,591
Salaries and employee benefits$371,0009,446
Premises and equipment expense$71,0009,671
Additional noninterest expense$198,0009,434
Pre-tax net operating income$-199,00010,565
Securities gains (losses)$03,944
Applicable income taxes$-78,00010,680
Income before extraordinary items$-121,00010,548
Extraordinary gains, net$044
Net income$-121,00010,549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$5,200,000191
Net operating income$-121,00010,522

* 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.