Home > Saratoga National Bank and Trust > Income and Expense

Saratoga National Bank and Trust, Income and Expense

2023-09-30 (YTD Data)Rank
Total interest income$28,630,0001,139
Total interest expense$12,118,000865
Net interest income$16,512,0001,337
Provision for loan and lease losses$1,065,000628
Total noninterest income$2,832,0001,416
Gross Fiduciary activities income$571,000543
Service charges on deposit accounts$312,0001,855
Trading account gains and fees$0125
Additional Noninterest Income$1,949,0001,379
Total noninterest expense$12,057,0001,428
Salaries and employee benefits$3,523,0002,274
Premises and equipment expense$1,347,0001,348
Additional noninterest expense$1,949,0001,379
Pre-tax net operating income$6,222,0001,410
Securities gains (losses)$0849
Applicable income taxes$1,402,0001,054
Income before extraordinary items$4,820,0001,492
Extraordinary gains, net$052
Net income$4,820,0001,504
Minority interest net income$081
Net income of bank and minority interests.$4,820,0001,492
Net charge-offs$192,000904
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$28,000448
Net operating income$4,820,0001,514
2023-06-30 (YTD Data)Rank
Total interest income$17,893,0001,168
Total interest expense$6,853,000900
Net interest income$11,040,0001,345
Provision for loan and lease losses$804,000576
Total noninterest income$1,883,0001,354
Gross Fiduciary activities income$382,000538
Service charges on deposit accounts$200,0001,885
Trading account gains and fees$0112
Additional Noninterest Income$1,301,0001,295
Total noninterest expense$8,149,0001,401
Salaries and employee benefits$2,281,0002,319
Premises and equipment expense$932,0001,287
Additional noninterest expense$1,301,0001,294
Pre-tax net operating income$3,970,0001,445
Securities gains (losses)$0938
Applicable income taxes$902,0001,074
Income before extraordinary items$3,068,0001,547
Extraordinary gains, net$051
Net income$3,068,0001,565
Minority interest net income$081
Net income of bank and minority interests.$3,068,0001,547
Net charge-offs$105,000898
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$19,000430
Net operating income$3,068,0001,558
2023-03-31 (YTD Data)Rank
Total interest income$8,289,0001,221
Total interest expense$2,542,0001,002
Net interest income$5,747,0001,310
Provision for loan and lease losses$432,000559
Total noninterest income$914,0001,371
Gross Fiduciary activities income$182,000562
Service charges on deposit accounts$101,0001,889
Trading account gains and fees$097
Additional Noninterest Income$631,0001,312
Total noninterest expense$4,001,0001,441
Salaries and employee benefits$1,114,0002,383
Premises and equipment expense$458,0001,335
Additional noninterest expense$631,0001,312
Pre-tax net operating income$2,228,0001,351
Securities gains (losses)$0950
Applicable income taxes$523,0001,013
Income before extraordinary items$1,705,0001,455
Extraordinary gains, net$04
Net income$1,705,0001,455
Minority interest net income$048
Net income of bank and minority interests.$1,705,0001,455
Net charge-offs$75,000670
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$9,000396
Net operating income$1,705,0001,466
2022-12-31 (YTD Data)Rank
Total interest income$30,148,0001,148
Total interest expense$2,733,0001,264
Net interest income$27,415,0001,114
Provision for loan and lease losses$1,050,000785
Total noninterest income$4,178,0001,338
Gross Fiduciary activities income$788,000557
Service charges on deposit accounts$463,0001,771
Trading account gains and fees$0116
Additional Noninterest Income$2,927,0001,278
Total noninterest expense$14,174,0001,555
Salaries and employee benefits$4,285,0002,393
Premises and equipment expense$1,960,0001,232
Additional noninterest expense$2,927,0001,278
Pre-tax net operating income$16,369,000879
Securities gains (losses)$0691
Applicable income taxes$3,943,000701
Income before extraordinary items$12,426,000944
Extraordinary gains, net$05
Net income$12,426,000944
Minority interest net income$063
Net income of bank and minority interests.$12,426,000945
Net charge-offs$835,000467
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$33,000516
Net operating income$12,426,000965
2022-09-30 (YTD Data)Rank
Total interest income$21,791,0001,130
Total interest expense$1,317,0001,445
Net interest income$20,474,0001,103
Provision for loan and lease losses$606,000856
Total noninterest income$3,256,0001,333
Gross Fiduciary activities income$616,000550
Service charges on deposit accounts$355,0001,752
Trading account gains and fees$0111
Additional Noninterest Income$2,285,0001,274
Total noninterest expense$10,653,0001,555
Salaries and employee benefits$3,338,0002,335
Premises and equipment expense$1,542,0001,174
Additional noninterest expense$2,285,0001,274
Pre-tax net operating income$12,471,000861
Securities gains (losses)$0740
Applicable income taxes$2,992,000694
Income before extraordinary items$9,479,000928
Extraordinary gains, net$04
Net income$9,479,000928
Minority interest net income$057
Net income of bank and minority interests.$9,479,000928
Net charge-offs$677,000379
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$24,000476
Net operating income$9,479,000946
2022-06-30 (YTD Data)Rank
Total interest income$13,500,0001,156
Total interest expense$579,0001,780
Net interest income$12,921,0001,123
Provision for loan and lease losses$254,0001,017
Total noninterest income$2,266,0001,275
Gross Fiduciary activities income$426,000506
Service charges on deposit accounts$242,0001,719
Trading account gains and fees$0108
Additional Noninterest Income$1,598,0001,265
Total noninterest expense$6,942,0001,566
Salaries and employee benefits$2,036,0002,467
Premises and equipment expense$1,060,0001,131
Additional noninterest expense$3,846,000962
Pre-tax net operating income$7,991,000844
Securities gains (losses)$0687
Applicable income taxes$1,917,000679
Income before extraordinary items$6,074,000900
Extraordinary gains, net$04
Net income$6,074,000900
Minority interest net income$060
Net income of bank and minority interests.$6,074,000900
Net charge-offs$394,000379
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$16,000461
Net operating income$6,074,000914
2022-03-31 (YTD Data)Rank
Total interest income$6,664,0001,140
Total interest expense$240,0001,966
Net interest income$6,424,0001,098
Provision for loan and lease losses$322,000465
Total noninterest income$1,275,0001,190
Gross Fiduciary activities income$206,000515
Service charges on deposit accounts$122,0001,700
Trading account gains and fees$0103
Additional Noninterest Income$947,0001,116
Total noninterest expense$3,374,0001,592
Salaries and employee benefits$961,0002,561
Premises and equipment expense$527,0001,144
Additional noninterest expense$1,886,000964
Pre-tax net operating income$4,003,000825
Securities gains (losses)$0623
Applicable income taxes$969,000658
Income before extraordinary items$3,034,000882
Extraordinary gains, net$04
Net income$3,034,000881
Minority interest net income$050
Net income of bank and minority interests.$3,034,000882
Net charge-offs$177,000388
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$8,000418
Net operating income$3,034,000895
2021-12-31 (YTD Data)Rank
Total interest income$27,119,0001,144
Total interest expense$1,183,0001,973
Net interest income$25,936,0001,094
Provision for loan and lease losses$492,0001,075
Total noninterest income$4,636,0001,375
Gross Fiduciary activities income$786,000520
Service charges on deposit accounts$394,0001,883
Trading account gains and fees$0132
Additional Noninterest Income$3,456,0001,371
Total noninterest expense$13,019,0001,633
Salaries and employee benefits$4,033,0002,482
Premises and equipment expense$1,860,0001,292
Additional noninterest expense$7,126,0001,017
Pre-tax net operating income$17,061,000850
Securities gains (losses)$02,062
Applicable income taxes$4,111,000717
Income before extraordinary items$12,950,000934
Extraordinary gains, net$010
Net income$12,950,000934
Minority interest net income$074
Net income of bank and minority interests.$12,950,000934
Net charge-offs$173,0001,097
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$29,000532
Net operating income$12,950,000918
2021-09-30 (YTD Data)Rank
Total interest income$20,419,0001,163
Total interest expense$938,0001,983
Net interest income$19,481,0001,111
Provision for loan and lease losses$426,000939
Total noninterest income$3,797,0001,337
Gross Fiduciary activities income$587,000515
Service charges on deposit accounts$284,0001,926
Trading account gains and fees$0132
Additional Noninterest Income$2,926,0001,315
Total noninterest expense$9,713,0001,637
Salaries and employee benefits$3,061,0002,475
Premises and equipment expense$1,422,0001,281
Additional noninterest expense$5,230,0001,037
Pre-tax net operating income$13,139,000867
Securities gains (losses)$02,015
Applicable income taxes$3,174,000729
Income before extraordinary items$9,965,000955
Extraordinary gains, net$08
Net income$9,965,000955
Minority interest net income$069
Net income of bank and minority interests.$9,965,000955
Net charge-offs$66,0001,250
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$22,000498
Net operating income$9,965,000940
2021-06-30 (YTD Data)Rank
Total interest income$13,436,0001,176
Total interest expense$679,0001,934
Net interest income$12,757,0001,121
Provision for loan and lease losses$382,000751
Total noninterest income$2,779,0001,241
Gross Fiduciary activities income$386,000513
Service charges on deposit accounts$181,0001,932
Trading account gains and fees$0133
Additional Noninterest Income$2,212,0001,208
Total noninterest expense$6,567,0001,605
Salaries and employee benefits$2,024,0002,484
Premises and equipment expense$965,0001,251
Additional noninterest expense$3,578,0001,013
Pre-tax net operating income$8,587,000866
Securities gains (losses)$01,818
Applicable income taxes$2,062,000739
Income before extraordinary items$6,525,000959
Extraordinary gains, net$06
Net income$6,525,000959
Minority interest net income$067
Net income of bank and minority interests.$6,525,000959
Net charge-offs$37,0001,256
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$15,000476
Net operating income$6,525,000937
2021-03-31 (YTD Data)Rank
Total interest income$6,449,0001,228
Total interest expense$372,0001,885
Net interest income$6,077,0001,162
Provision for loan and lease losses$34,0001,947
Total noninterest income$1,584,0001,149
Gross Fiduciary activities income$184,000524
Service charges on deposit accounts$87,0001,968
Trading account gains and fees$0127
Additional Noninterest Income$1,313,0001,061
Total noninterest expense$3,280,0001,603
Salaries and employee benefits$1,091,0002,355
Premises and equipment expense$495,0001,232
Additional noninterest expense$1,694,0001,029
Pre-tax net operating income$4,347,000864
Securities gains (losses)$01,392
Applicable income taxes$1,027,000729
Income before extraordinary items$3,320,000933
Extraordinary gains, net$03
Net income$3,320,000933
Minority interest net income$055
Net income of bank and minority interests.$3,320,000933
Net charge-offs$74,000704
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$7,000449
Net operating income$3,320,000913
2020-12-31 (YTD Data)Rank
Total interest income$25,397,0001,220
Total interest expense$3,343,0001,363
Net interest income$22,054,0001,187
Provision for loan and lease losses$2,763,000849
Total noninterest income$4,844,0001,290
Gross Fiduciary activities income$635,000544
Service charges on deposit accounts$354,0002,040
Trading account gains and fees$0133
Additional Noninterest Income$3,855,0001,237
Total noninterest expense$11,304,0001,773
Salaries and employee benefits$3,863,0002,534
Premises and equipment expense$1,686,0001,390
Additional noninterest expense$5,755,0001,134
Pre-tax net operating income$12,831,000863
Securities gains (losses)$-2,0004,696
Applicable income taxes$2,955,000702
Income before extraordinary items$9,874,000976
Extraordinary gains, net$04
Net income$9,874,000976
Minority interest net income$072
Net income of bank and minority interests.$9,874,000976
Net charge-offs$209,0001,523
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$29,000513
Net operating income$9,875,580933
2020-09-30 (YTD Data)Rank
Total interest income$18,678,0001,239
Total interest expense$2,848,0001,296
Net interest income$15,830,0001,210
Provision for loan and lease losses$2,526,000780
Total noninterest income$3,403,0001,318
Gross Fiduciary activities income$471,000538
Service charges on deposit accounts$256,0002,079
Trading account gains and fees$0125
Additional Noninterest Income$2,676,0001,266
Total noninterest expense$8,384,0001,775
Salaries and employee benefits$2,835,0002,560
Premises and equipment expense$1,261,0001,385
Additional noninterest expense$4,288,0001,124
Pre-tax net operating income$8,323,000941
Securities gains (losses)$02,494
Applicable income taxes$1,899,000760
Income before extraordinary items$6,424,0001,049
Extraordinary gains, net$04
Net income$6,424,0001,049
Minority interest net income$065
Net income of bank and minority interests.$6,424,0001,049
Net charge-offs$154,0001,402
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$22,000484
Net operating income$6,424,0001,021
2020-06-30 (YTD Data)Rank
Total interest income$12,311,0001,260
Total interest expense$2,172,0001,228
Net interest income$10,139,0001,256
Provision for loan and lease losses$1,823,000760
Total noninterest income$2,059,0001,332
Gross Fiduciary activities income$303,000544
Service charges on deposit accounts$175,0002,079
Trading account gains and fees$0123
Additional Noninterest Income$1,581,0001,273
Total noninterest expense$5,524,0001,787
Salaries and employee benefits$1,884,0002,574
Premises and equipment expense$838,0001,386
Additional noninterest expense$2,802,0001,134
Pre-tax net operating income$4,851,000978
Securities gains (losses)$02,249
Applicable income taxes$1,104,000763
Income before extraordinary items$3,747,0001,085
Extraordinary gains, net$04
Net income$3,747,0001,084
Minority interest net income$065
Net income of bank and minority interests.$3,747,0001,085
Net charge-offs$122,0001,259
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$15,000462
Net operating income$3,747,0001,061
2020-03-31 (YTD Data)Rank
Total interest income$6,032,0001,292
Total interest expense$1,318,0001,139
Net interest income$4,714,0001,321
Provision for loan and lease losses$862,000671
Total noninterest income$1,182,0001,156
Gross Fiduciary activities income$153,000551
Service charges on deposit accounts$110,0002,021
Trading account gains and fees$0106
Additional Noninterest Income$919,0001,028
Total noninterest expense$2,818,0001,772
Salaries and employee benefits$945,0002,576
Premises and equipment expense$440,0001,328
Additional noninterest expense$1,433,0001,136
Pre-tax net operating income$2,216,000957
Securities gains (losses)$01,705
Applicable income taxes$510,000731
Income before extraordinary items$1,706,0001,067
Extraordinary gains, net$04
Net income$1,706,0001,065
Minority interest net income$056
Net income of bank and minority interests.$1,706,0001,067
Net charge-offs$52,0001,188
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$7,000445
Net operating income$1,706,0001,051
2019-12-31 (YTD Data)Rank
Total interest income$22,585,0001,374
Total interest expense$4,560,0001,333
Net interest income$18,025,0001,356
Provision for loan and lease losses$701,0001,193
Total noninterest income$3,206,0001,500
Gross Fiduciary activities income$686,000534
Service charges on deposit accounts$464,0002,023
Trading account gains and fees$0135
Additional Noninterest Income$2,056,0001,508
Total noninterest expense$9,900,0001,943
Salaries and employee benefits$3,580,0002,632
Premises and equipment expense$1,511,0001,489
Additional noninterest expense$4,809,0001,295
Pre-tax net operating income$10,630,0001,012
Securities gains (losses)$02,379
Applicable income taxes$2,424,000798
Income before extraordinary items$8,206,0001,094
Extraordinary gains, net$011
Net income$8,206,0001,096
Minority interest net income$076
Net income of bank and minority interests.$8,206,0001,096
Net charge-offs$207,0001,660
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$37,000551
Net operating income$8,206,0001,072
2019-09-30 (YTD Data)Rank
Total interest income$16,568,0001,402
Total interest expense$3,247,0001,391
Net interest income$13,321,0001,387
Provision for loan and lease losses$487,0001,186
Total noninterest income$2,361,0001,517
Gross Fiduciary activities income$518,000524
Service charges on deposit accounts$346,0002,033
Trading account gains and fees$0129
Additional Noninterest Income$1,497,0001,538
Total noninterest expense$7,382,0001,949
Salaries and employee benefits$2,723,0002,632
Premises and equipment expense$1,136,0001,499
Additional noninterest expense$3,523,0001,317
Pre-tax net operating income$7,813,0001,040
Securities gains (losses)$02,167
Applicable income taxes$1,776,000832
Income before extraordinary items$6,037,0001,137
Extraordinary gains, net$011
Net income$6,037,0001,138
Minority interest net income$072
Net income of bank and minority interests.$6,037,0001,138
Net charge-offs$147,0001,500
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$22,000532
Net operating income$6,037,0001,114
2019-06-30 (YTD Data)Rank
Total interest income$10,787,0001,435
Total interest expense$2,061,0001,426
Net interest income$8,726,0001,411
Provision for loan and lease losses$278,0001,303
Total noninterest income$1,572,0001,488
Gross Fiduciary activities income$343,000525
Service charges on deposit accounts$230,0002,012
Trading account gains and fees$0131
Additional Noninterest Income$999,0001,491
Total noninterest expense$4,872,0001,971
Salaries and employee benefits$1,737,0002,705
Premises and equipment expense$764,0001,495
Additional noninterest expense$2,371,0001,319
Pre-tax net operating income$5,148,0001,022
Securities gains (losses)$01,702
Applicable income taxes$1,180,000816
Income before extraordinary items$3,968,0001,117
Extraordinary gains, net$011
Net income$3,968,0001,117
Minority interest net income$069
Net income of bank and minority interests.$3,968,0001,117
Net charge-offs$108,0001,371
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$14,000525
Net operating income$3,968,0001,098
2019-03-31 (YTD Data)Rank
Total interest income$5,253,0001,468
Total interest expense$954,0001,480
Net interest income$4,299,0001,426
Provision for loan and lease losses$170,0001,061
Total noninterest income$848,0001,381
Gross Fiduciary activities income$167,000531
Service charges on deposit accounts$113,0002,027
Trading account gains and fees$0126
Additional Noninterest Income$568,0001,329
Total noninterest expense$2,378,0002,012
Salaries and employee benefits$829,0002,802
Premises and equipment expense$396,0001,469
Additional noninterest expense$1,153,0001,339
Pre-tax net operating income$2,599,000992
Securities gains (losses)$01,087
Applicable income taxes$607,000773
Income before extraordinary items$1,992,0001,092
Extraordinary gains, net$05
Net income$1,992,0001,091
Minority interest net income$052
Net income of bank and minority interests.$1,992,0001,091
Net charge-offs$64,0001,085
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$6,000491
Net operating income$1,992,0001,073
2018-12-31 (YTD Data)Rank
Total interest income$19,216,0001,495
Total interest expense$2,763,0001,520
Net interest income$16,453,0001,469
Provision for loan and lease losses$406,0001,654
Total noninterest income$2,631,0001,689
Gross Fiduciary activities income$635,000549
Service charges on deposit accounts$458,0002,115
Trading account gains and fees$0126
Additional Noninterest Income$1,538,0001,765
Total noninterest expense$9,073,0002,047
Salaries and employee benefits$3,484,0002,690
Premises and equipment expense$1,286,0001,712
Additional noninterest expense$4,303,0001,407
Pre-tax net operating income$9,605,0001,072
Securities gains (losses)$01,125
Applicable income taxes$2,200,000829
Income before extraordinary items$7,405,0001,160
Extraordinary gains, net$06
Net income$7,405,0001,159
Minority interest net income$072
Net income of bank and minority interests.$7,405,0001,159
Net charge-offs$115,0002,049
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$39,000566
Net operating income$7,405,0001,158
2018-09-30 (YTD Data)Rank
Total interest income$13,983,0001,516
Total interest expense$1,859,0001,581
Net interest income$12,124,0001,489
Provision for loan and lease losses$530,0001,087
Total noninterest income$1,969,0001,709
Gross Fiduciary activities income$474,000546
Service charges on deposit accounts$335,0002,157
Trading account gains and fees$0138
Additional Noninterest Income$1,160,0001,774
Total noninterest expense$6,723,0002,065
Salaries and employee benefits$2,570,0002,727
Premises and equipment expense$945,0001,759
Additional noninterest expense$3,208,0001,433
Pre-tax net operating income$6,840,0001,118
Securities gains (losses)$01,118
Applicable income taxes$1,556,000866
Income before extraordinary items$5,284,0001,211
Extraordinary gains, net$05
Net income$5,284,0001,210
Minority interest net income$066
Net income of bank and minority interests.$5,284,0001,210
Net charge-offs$87,0001,837
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$23,000551
Net operating income$5,284,0001,209
2018-06-30 (YTD Data)Rank
Total interest income$9,094,0001,540
Total interest expense$1,112,0001,640
Net interest income$7,982,0001,500
Provision for loan and lease losses$413,000956
Total noninterest income$1,323,0001,698
Gross Fiduciary activities income$313,000551
Service charges on deposit accounts$224,0002,151
Trading account gains and fees$0130
Additional Noninterest Income$786,0001,755
Total noninterest expense$4,498,0002,075
Salaries and employee benefits$1,736,0002,724
Premises and equipment expense$636,0001,760
Additional noninterest expense$2,126,0001,433
Pre-tax net operating income$4,394,0001,134
Securities gains (losses)$0961
Applicable income taxes$981,000886
Income before extraordinary items$3,413,0001,224
Extraordinary gains, net$06
Net income$3,413,0001,223
Minority interest net income$065
Net income of bank and minority interests.$3,413,0001,223
Net charge-offs$76,0001,499
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$15,000549
Net operating income$3,413,0001,219
2018-03-31 (YTD Data)Rank
Total interest income$4,378,0001,579
Total interest expense$476,0001,771
Net interest income$3,902,0001,532
Provision for loan and lease losses$214,000899
Total noninterest income$678,0001,665
Gross Fiduciary activities income$150,000569
Service charges on deposit accounts$113,0002,135
Trading account gains and fees$0123
Additional Noninterest Income$415,0001,676
Total noninterest expense$2,242,0002,098
Salaries and employee benefits$901,0002,676
Premises and equipment expense$315,0001,798
Additional noninterest expense$1,026,0001,478
Pre-tax net operating income$2,124,0001,144
Securities gains (losses)$0735
Applicable income taxes$478,000898
Income before extraordinary items$1,646,0001,233
Extraordinary gains, net$07
Net income$1,646,0001,233
Minority interest net income$052
Net income of bank and minority interests.$1,646,0001,233
Net charge-offs$76,000983
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$7,000519
Net operating income$1,646,0001,221
2017-12-31 (YTD Data)Rank
Total interest income$15,785,0001,676
Total interest expense$1,493,0001,933
Net interest income$14,292,0001,638
Provision for loan and lease losses$527,0001,401
Total noninterest income$2,302,0001,860
Gross Fiduciary activities income$538,000576
Service charges on deposit accounts$465,0002,151
Trading account gains and fees$0151
Additional Noninterest Income$1,299,0001,973
Total noninterest expense$8,475,0002,174
Salaries and employee benefits$3,291,0002,824
Premises and equipment expense$1,161,0001,892
Additional noninterest expense$4,023,0001,515
Pre-tax net operating income$7,592,0001,228
Securities gains (losses)$-33,0005,243
Applicable income taxes$2,474,0001,115
Income before extraordinary items$5,085,0001,326
Extraordinary gains, net$09
Net income$5,085,0001,326
Minority interest net income$076
Net income of bank and minority interests.$5,085,0001,326
Net charge-offs$134,0002,170
Cash dividends$04,147
Sale, conversion, retirement of capital stock, net$50,000567
Net operating income$5,107,1101,306
2017-09-30 (YTD Data)Rank
Total interest income$11,665,0001,697
Total interest expense$1,096,0001,936
Net interest income$10,569,0001,663
Provision for loan and lease losses$153,0002,278
Total noninterest income$1,679,0001,919
Gross Fiduciary activities income$398,000580
Service charges on deposit accounts$346,0002,168
Trading account gains and fees$0145
Additional Noninterest Income$935,0002,057
Total noninterest expense$6,325,0002,189
Salaries and employee benefits$2,443,0002,860
Premises and equipment expense$878,0001,897
Additional noninterest expense$3,004,0001,504
Pre-tax net operating income$5,770,0001,244
Securities gains (losses)$02,274
Applicable income taxes$1,969,000923
Income before extraordinary items$3,801,0001,433
Extraordinary gains, net$09
Net income$3,801,0001,432
Minority interest net income$071
Net income of bank and minority interests.$3,801,0001,433
Net charge-offs$106,0001,875
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$24,000580
Net operating income$3,801,0001,413
2017-06-30 (YTD Data)Rank
Total interest income$7,711,0001,694
Total interest expense$712,0001,942
Net interest income$6,999,0001,659
Provision for loan and lease losses$122,0002,036
Total noninterest income$1,068,0001,965
Gross Fiduciary activities income$264,000587
Service charges on deposit accounts$231,0002,156
Trading account gains and fees$0139
Additional Noninterest Income$573,0002,161
Total noninterest expense$4,214,0002,203
Salaries and employee benefits$1,612,0002,892
Premises and equipment expense$588,0001,890
Additional noninterest expense$2,014,0001,505
Pre-tax net operating income$3,731,0001,257
Securities gains (losses)$01,906
Applicable income taxes$1,279,000931
Income before extraordinary items$2,452,0001,452
Extraordinary gains, net$011
Net income$2,452,0001,451
Minority interest net income$071
Net income of bank and minority interests.$2,452,0001,452
Net charge-offs$61,0001,853
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$16,000560
Net operating income$2,452,0001,434
2017-03-31 (YTD Data)Rank
Total interest income$3,761,0001,729
Total interest expense$344,0001,981
Net interest income$3,417,0001,687
Provision for loan and lease losses$195,000957
Total noninterest income$566,0001,890
Gross Fiduciary activities income$131,000595
Service charges on deposit accounts$114,0002,189
Trading account gains and fees$0142
Additional Noninterest Income$321,0002,009
Total noninterest expense$2,102,0002,221
Salaries and employee benefits$812,0002,917
Premises and equipment expense$302,0001,872
Additional noninterest expense$988,0001,523
Pre-tax net operating income$1,686,0001,335
Securities gains (losses)$01,153
Applicable income taxes$573,000984
Income before extraordinary items$1,113,0001,543
Extraordinary gains, net$08
Net income$1,113,0001,543
Minority interest net income$055
Net income of bank and minority interests.$1,113,0001,543
Net charge-offs$29,0001,668
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$8,000532
Net operating income$1,113,0001,524
2016-12-31 (YTD Data)Rank
Total interest income$13,688,0001,857
Total interest expense$1,262,0002,048
Net interest income$12,426,0001,803
Provision for loan and lease losses$350,0001,842
Total noninterest income$2,269,0001,961
Gross Fiduciary activities income$484,000602
Service charges on deposit accounts$471,0002,178
Trading account gains and fees$0170
Additional Noninterest Income$1,314,0002,062
Total noninterest expense$7,867,0002,319
Salaries and employee benefits$2,835,0003,137
Premises and equipment expense$1,110,0001,985
Additional noninterest expense$3,922,0001,563
Pre-tax net operating income$6,478,0001,318
Securities gains (losses)$-25,0005,703
Applicable income taxes$2,106,0001,005
Income before extraordinary items$4,347,0001,550
Extraordinary gains, net$05
Net income$4,347,0001,549
Minority interest net income$082
Net income of bank and minority interests.$4,347,0001,549
Net charge-offs$248,0001,719
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$56,000566
Net operating income$4,363,7501,518
2016-09-30 (YTD Data)Rank
Total interest income$10,010,0001,894
Total interest expense$921,0002,093
Net interest income$9,089,0001,846
Provision for loan and lease losses$302,0001,609
Total noninterest income$1,775,0001,919
Gross Fiduciary activities income$366,000595
Service charges on deposit accounts$356,0002,176
Trading account gains and fees$0169
Additional Noninterest Income$1,053,0001,976
Total noninterest expense$5,890,0002,325
Salaries and employee benefits$2,102,0003,160
Premises and equipment expense$859,0001,933
Additional noninterest expense$2,929,0001,567
Pre-tax net operating income$4,672,0001,381
Securities gains (losses)$03,160
Applicable income taxes$1,575,0001,040
Income before extraordinary items$3,097,0001,638
Extraordinary gains, net$05
Net income$3,097,0001,637
Minority interest net income$071
Net income of bank and minority interests.$3,097,0001,638
Net charge-offs$184,0001,524
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$32,000567
Net operating income$3,097,0001,591
2016-06-30 (YTD Data)Rank
Total interest income$6,612,0001,913
Total interest expense$599,0002,135
Net interest income$6,013,0001,863
Provision for loan and lease losses$04,017
Total noninterest income$1,160,0001,916
Gross Fiduciary activities income$246,000600
Service charges on deposit accounts$233,0002,188
Trading account gains and fees$0157
Additional Noninterest Income$681,0001,991
Total noninterest expense$3,897,0002,347
Salaries and employee benefits$1,375,0003,220
Premises and equipment expense$577,0001,926
Additional noninterest expense$1,945,0001,573
Pre-tax net operating income$3,276,0001,328
Securities gains (losses)$02,835
Applicable income taxes$1,147,000971
Income before extraordinary items$2,129,0001,567
Extraordinary gains, net$016
Net income$2,129,0001,567
Minority interest net income$071
Net income of bank and minority interests.$2,129,0001,567
Net charge-offs$111,0001,530
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$22,000553
Net operating income$2,129,0001,533
2016-03-31 (YTD Data)Rank
Total interest income$3,278,0001,926
Total interest expense$295,0002,168
Net interest income$2,983,0001,883
Provision for loan and lease losses$95,0001,568
Total noninterest income$574,0001,898
Gross Fiduciary activities income$119,000611
Service charges on deposit accounts$119,0002,140
Trading account gains and fees$0142
Additional Noninterest Income$336,0001,959
Total noninterest expense$1,930,0002,374
Salaries and employee benefits$698,0003,214
Premises and equipment expense$294,0001,904
Additional noninterest expense$938,0001,614
Pre-tax net operating income$1,532,0001,385
Securities gains (losses)$02,077
Applicable income taxes$537,0001,004
Income before extraordinary items$995,0001,627
Extraordinary gains, net$012
Net income$995,0001,628
Minority interest net income$062
Net income of bank and minority interests.$995,0001,628
Net charge-offs$16,0002,108
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$12,000502
Net operating income$995,0001,593
2015-12-31 (YTD Data)Rank
Total interest income$12,067,0002,021
Total interest expense$1,260,0002,038
Net interest income$10,807,0002,000
Provision for loan and lease losses$790,000983
Total noninterest income$2,044,0002,085
Gross Fiduciary activities income$431,000632
Service charges on deposit accounts$432,0002,374
Trading account gains and fees$0159
Additional Noninterest Income$1,181,0002,166
Total noninterest expense$7,351,0002,469
Salaries and employee benefits$2,621,0003,301
Premises and equipment expense$1,081,0002,054
Additional noninterest expense$3,649,0001,661
Pre-tax net operating income$4,710,0001,650
Securities gains (losses)$-5,0005,798
Applicable income taxes$1,584,0001,198
Income before extraordinary items$3,121,0001,985
Extraordinary gains, net$023
Net income$3,121,0001,986
Minority interest net income$081
Net income of bank and minority interests.$3,121,0001,987
Net charge-offs$395,0001,368
Cash dividends$400,0003,135
Sale, conversion, retirement of capital stock, net$32,000650
Net operating income$3,124,3001,938
2015-09-30 (YTD Data)Rank
Total interest income$8,894,0002,062
Total interest expense$966,0002,023
Net interest income$7,928,0002,049
Provision for loan and lease losses$640,000860
Total noninterest income$1,523,0002,113
Gross Fiduciary activities income$334,000625
Service charges on deposit accounts$317,0002,428
Trading account gains and fees$0153
Additional Noninterest Income$872,0002,196
Total noninterest expense$5,439,0002,501
Salaries and employee benefits$1,918,0003,367
Premises and equipment expense$808,0002,082
Additional noninterest expense$2,713,0001,672
Pre-tax net operating income$3,372,0001,738
Securities gains (losses)$03,031
Applicable income taxes$1,127,0001,260
Income before extraordinary items$2,245,0002,073
Extraordinary gains, net$021
Net income$2,245,0002,074
Minority interest net income$078
Net income of bank and minority interests.$2,245,0002,074
Net charge-offs$334,0001,132
Cash dividends$400,0002,537
Sale, conversion, retirement of capital stock, net$27,000607
Net operating income$2,245,0002,017
2015-06-30 (YTD Data)Rank
Total interest income$5,815,0002,099
Total interest expense$621,0002,095
Net interest income$5,194,0002,070
Provision for loan and lease losses$270,0001,221
Total noninterest income$1,009,0002,123
Gross Fiduciary activities income$228,000624
Service charges on deposit accounts$209,0002,420
Trading account gains and fees$0157
Additional Noninterest Income$572,0002,262
Total noninterest expense$3,579,0002,550
Salaries and employee benefits$1,243,0003,466
Premises and equipment expense$550,0002,060
Additional noninterest expense$1,786,0001,696
Pre-tax net operating income$2,354,0001,664
Securities gains (losses)$02,636
Applicable income taxes$806,0001,211
Income before extraordinary items$1,548,0001,987
Extraordinary gains, net$022
Net income$1,548,0001,989
Minority interest net income$075
Net income of bank and minority interests.$1,548,0001,989
Net charge-offs$61,0002,167
Cash dividends$400,0002,136
Sale, conversion, retirement of capital stock, net$18,000593
Net operating income$1,548,0001,943
2015-03-31 (YTD Data)Rank
Total interest income$2,813,0002,157
Total interest expense$279,0002,291
Net interest income$2,534,0002,108
Provision for loan and lease losses$160,0001,026
Total noninterest income$479,0002,157
Gross Fiduciary activities income$119,000619
Service charges on deposit accounts$102,0002,439
Trading account gains and fees$0152
Additional Noninterest Income$258,0002,312
Total noninterest expense$1,746,0002,608
Salaries and employee benefits$616,0003,512
Premises and equipment expense$278,0002,076
Additional noninterest expense$852,0001,764
Pre-tax net operating income$1,107,0001,699
Securities gains (losses)$02,027
Applicable income taxes$378,0001,235
Income before extraordinary items$729,0002,078
Extraordinary gains, net$013
Net income$729,0002,079
Minority interest net income$064
Net income of bank and minority interests.$729,0002,079
Net charge-offs$46,0001,619
Cash dividends$400,0001,291
Sale, conversion, retirement of capital stock, net$10,000555
Net operating income$729,0002,011
2014-12-31 (YTD Data)Rank
Total interest income$10,822,0002,220
Total interest expense$1,164,0002,311
Net interest income$9,658,0002,204
Provision for loan and lease losses$176,0002,632
Total noninterest income$1,888,0002,193
Gross Fiduciary activities income$426,000641
Service charges on deposit accounts$442,0002,505
Trading account gains and fees$0180
Additional Noninterest Income$1,020,0002,309
Total noninterest expense$6,474,0002,762
Salaries and employee benefits$2,264,0003,724
Premises and equipment expense$956,0002,323
Additional noninterest expense$3,254,0001,894
Pre-tax net operating income$4,896,0001,551
Securities gains (losses)$-5,0005,949
Applicable income taxes$1,730,0001,090
Income before extraordinary items$3,161,0001,931
Extraordinary gains, net$017
Net income$3,161,0001,930
Minority interest net income$084
Net income of bank and minority interests.$3,161,0001,929
Net charge-offs$118,0003,015
Cash dividends$1,600,0001,502
Sale, conversion, retirement of capital stock, net$30,000703
Net operating income$3,164,2501,893
2014-09-30 (YTD Data)Rank
Total interest income$7,944,0002,282
Total interest expense$875,0002,359
Net interest income$7,069,0002,267
Provision for loan and lease losses$210,0002,017
Total noninterest income$1,405,0002,204
Gross Fiduciary activities income$330,000632
Service charges on deposit accounts$330,0002,532
Trading account gains and fees$0174
Additional Noninterest Income$745,0002,358
Total noninterest expense$4,781,0002,809
Salaries and employee benefits$1,622,0003,845
Premises and equipment expense$724,0002,338
Additional noninterest expense$2,435,0001,891
Pre-tax net operating income$3,483,0001,637
Securities gains (losses)$-5,0006,058
Applicable income taxes$1,220,0001,140
Income before extraordinary items$2,258,0002,018
Extraordinary gains, net$015
Net income$2,258,0002,018
Minority interest net income$081
Net income of bank and minority interests.$2,258,0002,017
Net charge-offs$84,0002,853
Cash dividends$1,200,0001,354
Sale, conversion, retirement of capital stock, net$24,000658
Net operating income$2,261,2501,966
2014-06-30 (YTD Data)Rank
Total interest income$5,204,0002,319
Total interest expense$584,0002,375
Net interest income$4,620,0002,295
Provision for loan and lease losses$73,0002,655
Total noninterest income$937,0002,173
Gross Fiduciary activities income$238,000620
Service charges on deposit accounts$221,0002,491
Trading account gains and fees$0172
Additional Noninterest Income$478,0002,361
Total noninterest expense$3,172,0002,842
Salaries and employee benefits$1,080,0003,857
Premises and equipment expense$491,0002,313
Additional noninterest expense$1,601,0001,908
Pre-tax net operating income$2,312,0001,611
Securities gains (losses)$-5,0006,209
Applicable income taxes$810,0001,121
Income before extraordinary items$1,497,0001,983
Extraordinary gains, net$020
Net income$1,497,0001,987
Minority interest net income$080
Net income of bank and minority interests.$1,497,0001,986
Net charge-offs$59,0002,641
Cash dividends$800,0001,366
Sale, conversion, retirement of capital stock, net$18,000616
Net operating income$1,500,2501,924
2014-03-31 (YTD Data)Rank
Total interest income$2,537,0002,369
Total interest expense$291,0002,413
Net interest income$2,246,0002,340
Provision for loan and lease losses$148,0001,328
Total noninterest income$426,0002,275
Gross Fiduciary activities income$107,000643
Service charges on deposit accounts$110,0002,476
Trading account gains and fees$0147
Additional Noninterest Income$209,0002,491
Total noninterest expense$1,562,0002,894
Salaries and employee benefits$524,0003,953
Premises and equipment expense$236,0002,425
Additional noninterest expense$802,0001,884
Pre-tax net operating income$962,0001,828
Securities gains (losses)$01,715
Applicable income taxes$335,0001,237
Income before extraordinary items$627,0002,206
Extraordinary gains, net$016
Net income$627,0002,208
Minority interest net income$066
Net income of bank and minority interests.$627,0002,208
Net charge-offs$48,0001,899
Cash dividends$400,0001,206
Sale, conversion, retirement of capital stock, net$10,000574
Net operating income$627,0002,161
2013-12-31 (YTD Data)Rank
Total interest income$10,003,0002,427
Total interest expense$1,287,0002,437
Net interest income$8,716,0002,413
Provision for loan and lease losses$05,091
Total noninterest income$1,941,0002,208
Gross Fiduciary activities income$346,000682
Service charges on deposit accounts$406,0002,780
Trading account gains and fees$0184
Additional Noninterest Income$1,189,0002,151
Total noninterest expense$5,975,0003,007
Salaries and employee benefits$2,101,0003,960
Premises and equipment expense$847,0002,589
Additional noninterest expense$3,027,0002,065
Pre-tax net operating income$4,682,0001,499
Securities gains (losses)$03,182
Applicable income taxes$1,690,0001,026
Income before extraordinary items$2,992,0001,906
Extraordinary gains, net$029
Net income$2,992,0001,908
Minority interest net income$090
Net income of bank and minority interests.$2,992,0001,908
Net charge-offs$51,0004,333
Cash dividends$1,650,0001,386
Sale, conversion, retirement of capital stock, net$28,000750
Net operating income$2,992,0001,873
2013-09-30 (YTD Data)Rank
Total interest income$7,504,0002,442
Total interest expense$985,0002,472
Net interest income$6,519,0002,430
Provision for loan and lease losses$04,941
Total noninterest income$1,491,0002,222
Gross Fiduciary activities income$260,000676
Service charges on deposit accounts$299,0002,829
Trading account gains and fees$0180
Additional Noninterest Income$932,0002,145
Total noninterest expense$4,581,0002,954
Salaries and employee benefits$1,552,0004,022
Premises and equipment expense$631,0002,623
Additional noninterest expense$2,398,0001,957
Pre-tax net operating income$3,429,0001,563
Securities gains (losses)$03,040
Applicable income taxes$1,238,0001,076
Income before extraordinary items$2,191,0001,976
Extraordinary gains, net$025
Net income$2,191,0001,983
Minority interest net income$084
Net income of bank and minority interests.$2,191,0001,982
Net charge-offs$14,0004,586
Cash dividends$1,250,0001,229
Sale, conversion, retirement of capital stock, net$22,000699
Net operating income$2,191,0001,920
2013-06-30 (YTD Data)Rank
Total interest income$5,045,0002,416
Total interest expense$678,0002,460
Net interest income$4,367,0002,405
Provision for loan and lease losses$04,788
Total noninterest income$1,040,0002,176
Gross Fiduciary activities income$171,000679
Service charges on deposit accounts$199,0002,796
Trading account gains and fees$0157
Additional Noninterest Income$670,0002,082
Total noninterest expense$3,078,0002,932
Salaries and employee benefits$1,017,0004,066
Premises and equipment expense$437,0002,557
Additional noninterest expense$1,624,0001,927
Pre-tax net operating income$2,329,0001,521
Securities gains (losses)$02,791
Applicable income taxes$846,0001,056
Income before extraordinary items$1,483,0001,943
Extraordinary gains, net$022
Net income$1,483,0001,949
Minority interest net income$082
Net income of bank and minority interests.$1,483,0001,949
Net charge-offs$24,0003,889
Cash dividends$850,0001,227
Sale, conversion, retirement of capital stock, net$16,000656
Net operating income$1,483,0001,870
2013-03-31 (YTD Data)Rank
Total interest income$2,581,0002,392
Total interest expense$346,0002,476
Net interest income$2,235,0002,344
Provision for loan and lease losses$04,409
Total noninterest income$537,0002,118
Gross Fiduciary activities income$85,000689
Service charges on deposit accounts$92,0002,953
Trading account gains and fees$0148
Additional Noninterest Income$360,0001,975
Total noninterest expense$1,542,0002,954
Salaries and employee benefits$514,0004,092
Premises and equipment expense$207,0002,699
Additional noninterest expense$821,0001,909
Pre-tax net operating income$1,230,0001,440
Securities gains (losses)$01,966
Applicable income taxes$457,000986
Income before extraordinary items$773,0001,838
Extraordinary gains, net$010
Net income$773,0001,839
Minority interest net income$076
Net income of bank and minority interests.$773,0001,840
Net charge-offs$6,0003,622
Cash dividends$450,0001,014
Sale, conversion, retirement of capital stock, net$9,000593
Net operating income$773,0001,765
2012-12-31 (YTD Data)Rank
Total interest income$11,126,0002,335
Total interest expense$1,754,0002,396
Net interest income$9,372,0002,288
Provision for loan and lease losses$05,905
Total noninterest income$2,122,0002,099
Gross Fiduciary activities income$300,000706
Service charges on deposit accounts$341,0003,238
Trading account gains and fees$0166
Additional Noninterest Income$1,481,0001,871
Total noninterest expense$5,985,0003,046
Salaries and employee benefits$2,208,0003,891
Premises and equipment expense$697,0003,033
Additional noninterest expense$3,080,0002,098
Pre-tax net operating income$5,509,0001,265
Securities gains (losses)$03,810
Applicable income taxes$2,068,000853
Income before extraordinary items$3,441,0001,664
Extraordinary gains, net$029
Net income$3,441,0001,664
Minority interest net income$093
Net income of bank and minority interests.$3,441,0001,665
Net charge-offs$125,0004,222
Cash dividends$1,700,0001,362
Sale, conversion, retirement of capital stock, net$33,000768
Net operating income$3,441,0001,568
2012-09-30 (YTD Data)Rank
Total interest income$8,376,0002,372
Total interest expense$1,380,0002,380
Net interest income$6,996,0002,340
Provision for loan and lease losses$-75,0007,007
Total noninterest income$1,520,0002,159
Gross Fiduciary activities income$225,000703
Service charges on deposit accounts$251,0003,319
Trading account gains and fees$0157
Additional Noninterest Income$1,044,0001,941
Total noninterest expense$4,428,0003,089
Salaries and employee benefits$1,554,0004,061
Premises and equipment expense$567,0002,895
Additional noninterest expense$2,307,0002,110
Pre-tax net operating income$4,163,0001,287
Securities gains (losses)$03,575
Applicable income taxes$1,566,000874
Income before extraordinary items$2,597,0001,691
Extraordinary gains, net$020
Net income$2,597,0001,690
Minority interest net income$086
Net income of bank and minority interests.$2,597,0001,692
Net charge-offs$80,0004,173
Cash dividends$1,250,0001,137
Sale, conversion, retirement of capital stock, net$26,000727
Net operating income$2,597,0001,589
2012-06-30 (YTD Data)Rank
Total interest income$5,620,0002,371
Total interest expense$969,0002,346
Net interest income$4,651,0002,343
Provision for loan and lease losses$-75,0007,091
Total noninterest income$957,0002,223
Gross Fiduciary activities income$155,000702
Service charges on deposit accounts$163,0003,356
Trading account gains and fees$0153
Additional Noninterest Income$639,0002,030
Total noninterest expense$2,908,0003,137
Salaries and employee benefits$1,018,0004,128
Premises and equipment expense$394,0002,807
Additional noninterest expense$1,496,0002,164
Pre-tax net operating income$2,775,0001,284
Securities gains (losses)$03,178
Applicable income taxes$1,044,000857
Income before extraordinary items$1,731,0001,684
Extraordinary gains, net$019
Net income$1,731,0001,682
Minority interest net income$084
Net income of bank and minority interests.$1,731,0001,684
Net charge-offs$44,0004,136
Cash dividends$850,0001,113
Sale, conversion, retirement of capital stock, net$18,000692
Net operating income$1,731,0001,597
2012-03-31 (YTD Data)Rank
Total interest income$2,811,0002,398
Total interest expense$521,0002,290
Net interest income$2,290,0002,395
Provision for loan and lease losses$15,0004,598
Total noninterest income$477,0002,217
Gross Fiduciary activities income$81,000706
Service charges on deposit accounts$74,0003,530
Trading account gains and fees$0148
Additional Noninterest Income$322,0002,020
Total noninterest expense$1,461,0003,119
Salaries and employee benefits$504,0004,186
Premises and equipment expense$200,0002,792
Additional noninterest expense$757,0002,136
Pre-tax net operating income$1,291,0001,356
Securities gains (losses)$02,210
Applicable income taxes$488,000910
Income before extraordinary items$803,0001,792
Extraordinary gains, net$019
Net income$803,0001,793
Minority interest net income$078
Net income of bank and minority interests.$803,0001,793
Net charge-offs$15,0003,852
Cash dividends$450,000954
Sale, conversion, retirement of capital stock, net$10,000618
Net operating income$803,0001,692
2011-12-31 (YTD Data)Rank
Total interest income$11,707,0002,376
Total interest expense$2,607,0002,206
Net interest income$9,100,0002,404
Provision for loan and lease losses$125,0005,112
Total noninterest income$1,474,0002,478
Gross Fiduciary activities income$281,000674
Service charges on deposit accounts$316,0003,496
Trading account gains and fees$0146
Additional Noninterest Income$877,0002,318
Total noninterest expense$5,160,0003,450
Salaries and employee benefits$1,985,0004,190
Premises and equipment expense$710,0003,170
Additional noninterest expense$2,465,0002,618
Pre-tax net operating income$5,289,0001,123
Securities gains (losses)$-1,0006,712
Applicable income taxes$1,995,000789
Income before extraordinary items$3,293,0001,487
Extraordinary gains, net$029
Net income$3,293,0001,487
Minority interest net income$096
Net income of bank and minority interests.$3,293,0001,487
Net charge-offs$52,0005,452
Cash dividends$2,200,000882
Sale, conversion, retirement of capital stock, net$33,000879
Net operating income$3,293,6401,417
2011-09-30 (YTD Data)Rank
Total interest income$8,852,0002,381
Total interest expense$2,042,0002,206
Net interest income$6,810,0002,424
Provision for loan and lease losses$100,0004,928
Total noninterest income$992,0002,639
Gross Fiduciary activities income$220,000657
Service charges on deposit accounts$234,0003,532
Trading account gains and fees$0145
Additional Noninterest Income$538,0002,592
Total noninterest expense$3,859,0003,466
Salaries and employee benefits$1,533,0004,127
Premises and equipment expense$566,0003,060
Additional noninterest expense$1,760,0002,726
Pre-tax net operating income$3,843,0001,205
Securities gains (losses)$-1,0006,834
Applicable income taxes$1,447,000815
Income before extraordinary items$2,395,0001,593
Extraordinary gains, net$021
Net income$2,395,0001,593
Minority interest net income$087
Net income of bank and minority interests.$2,395,0001,593
Net charge-offs$43,0005,079
Cash dividends$1,750,000734
Sale, conversion, retirement of capital stock, net$25,000828
Net operating income$2,395,6401,510
2011-06-30 (YTD Data)Rank
Total interest income$5,937,0002,389
Total interest expense$1,437,0002,191
Net interest income$4,500,0002,447
Provision for loan and lease losses$70,0004,772
Total noninterest income$619,0002,746
Gross Fiduciary activities income$149,000664
Service charges on deposit accounts$148,0003,616
Trading account gains and fees$0153
Additional Noninterest Income$322,0002,766
Total noninterest expense$2,564,0003,508
Salaries and employee benefits$1,018,0004,154
Premises and equipment expense$374,0003,098
Additional noninterest expense$1,172,0002,791
Pre-tax net operating income$2,485,0001,195
Securities gains (losses)$-1,0006,874
Applicable income taxes$937,000804
Income before extraordinary items$1,547,0001,576
Extraordinary gains, net$015
Net income$1,547,0001,576
Minority interest net income$089
Net income of bank and minority interests.$1,547,0001,576
Net charge-offs$38,0004,675
Cash dividends$800,000975
Sale, conversion, retirement of capital stock, net$19,000742
Net operating income$1,547,6401,513
2011-03-31 (YTD Data)Rank
Total interest income$2,988,0002,381
Total interest expense$769,0002,133
Net interest income$2,219,0002,483
Provision for loan and lease losses$30,0004,582
Total noninterest income$279,0002,947
Gross Fiduciary activities income$79,000658
Service charges on deposit accounts$73,0003,613
Trading account gains and fees$0158
Additional Noninterest Income$127,0003,175
Total noninterest expense$1,315,0003,441
Salaries and employee benefits$505,0004,195
Premises and equipment expense$194,0003,063
Additional noninterest expense$616,0002,674
Pre-tax net operating income$1,153,0001,256
Securities gains (losses)$01,772
Applicable income taxes$439,000815
Income before extraordinary items$714,0001,649
Extraordinary gains, net$09
Net income$714,0001,649
Minority interest net income$086
Net income of bank and minority interests.$714,0001,649
Net charge-offs$18,0004,096
Cash dividends$450,000808
Sale, conversion, retirement of capital stock, net$11,000675
Net operating income$714,0001,597
2010-12-31 (YTD Data)Rank
Total interest income$13,080,0002,297
Total interest expense$3,373,0002,340
Net interest income$9,707,0002,260
Provision for loan and lease losses$190,0005,407
Total noninterest income$1,423,0002,604
Gross Fiduciary activities income$218,000745
Service charges on deposit accounts$323,0003,487
Trading account gains and fees$0175
Additional Noninterest Income$882,0002,362
Total noninterest expense$5,203,0003,497
Salaries and employee benefits$1,985,0004,256
Premises and equipment expense$731,0003,186
Additional noninterest expense$2,487,0002,697
Pre-tax net operating income$5,737,000904
Securities gains (losses)$03,793
Applicable income taxes$2,192,000687
Income before extraordinary items$3,545,0001,210
Extraordinary gains, net$029
Net income$3,545,0001,211
Minority interest net income$0111
Net income of bank and minority interests.$3,545,0001,213
Net charge-offs$106,0005,370
Cash dividends$1,350,0001,179
Sale, conversion, retirement of capital stock, net$35,0001,017
Net operating income$3,545,0001,168
2010-09-30 (YTD Data)Rank
Total interest income$9,940,0002,324
Total interest expense$2,553,0002,419
Net interest income$7,387,0002,270
Provision for loan and lease losses$180,0005,003
Total noninterest income$1,013,0002,707
Gross Fiduciary activities income$165,000731
Service charges on deposit accounts$247,0003,520
Trading account gains and fees$0165
Additional Noninterest Income$601,0002,477
Total noninterest expense$3,999,0003,417
Salaries and employee benefits$1,487,0004,290
Premises and equipment expense$565,0003,163
Additional noninterest expense$1,947,0002,537
Pre-tax net operating income$4,221,000967
Securities gains (losses)$03,651
Applicable income taxes$1,599,000709
Income before extraordinary items$2,622,0001,270
Extraordinary gains, net$023
Net income$2,622,0001,274
Minority interest net income$0110
Net income of bank and minority interests.$2,622,0001,274
Net charge-offs$94,0004,970
Cash dividends$900,0001,140
Sale, conversion, retirement of capital stock, net$28,000943
Net operating income$2,622,0001,226
2010-06-30 (YTD Data)Rank
Total interest income$6,683,0002,332
Total interest expense$1,734,0002,468
Net interest income$4,949,0002,247
Provision for loan and lease losses$135,0004,762
Total noninterest income$533,0003,099
Gross Fiduciary activities income$105,000751
Service charges on deposit accounts$164,0003,535
Trading account gains and fees$0152
Additional Noninterest Income$264,0003,043
Total noninterest expense$2,569,0003,547
Salaries and employee benefits$964,0004,392
Premises and equipment expense$372,0003,214
Additional noninterest expense$1,233,0002,650
Pre-tax net operating income$2,778,000973
Securities gains (losses)$03,184
Applicable income taxes$1,057,000686
Income before extraordinary items$1,721,0001,287
Extraordinary gains, net$019
Net income$1,721,0001,288
Minority interest net income$0105
Net income of bank and minority interests.$1,721,0001,288
Net charge-offs$75,0004,534
Cash dividends$600,0001,128
Sale, conversion, retirement of capital stock, net$22,000848
Net operating income$1,721,0001,241
2010-03-31 (YTD Data)Rank
Total interest income$3,352,0002,373
Total interest expense$895,0002,505
Net interest income$2,457,0002,287
Provision for loan and lease losses$75,0004,293
Total noninterest income$257,0003,169
Gross Fiduciary activities income$51,000757
Service charges on deposit accounts$77,0003,649
Trading account gains and fees$0175
Additional Noninterest Income$129,0003,089
Total noninterest expense$1,228,0003,704
Salaries and employee benefits$470,0004,523
Premises and equipment expense$190,0003,254
Additional noninterest expense$568,0002,845
Pre-tax net operating income$1,411,000957
Securities gains (losses)$02,284
Applicable income taxes$542,000667
Income before extraordinary items$869,0001,258
Extraordinary gains, net$016
Net income$869,0001,261
Minority interest net income$091
Net income of bank and minority interests.$869,0001,260
Net charge-offs$40,0003,918
Cash dividends$300,0001,057
Sale, conversion, retirement of capital stock, net$14,000747
Net operating income$869,0001,226
2009-12-31 (YTD Data)Rank
Total interest income$13,587,0002,458
Total interest expense$4,203,0002,629
Net interest income$9,384,0002,326
Provision for loan and lease losses$362,0005,009
Total noninterest income$1,095,0003,166
Gross Fiduciary activities income$183,000777
Service charges on deposit accounts$321,0003,760
Trading account gains and fees$0211
Additional Noninterest Income$591,0002,922
Total noninterest expense$5,171,0003,577
Salaries and employee benefits$1,936,0004,458
Premises and equipment expense$729,0003,358
Additional noninterest expense$2,506,0002,730
Pre-tax net operating income$4,946,000850
Securities gains (losses)$03,754
Applicable income taxes$1,927,000582
Income before extraordinary items$3,019,0001,121
Extraordinary gains, net$034
Net income$3,019,0001,119
Minority interest net income$0115
Net income of bank and minority interests.$3,019,0001,120
Net charge-offs$195,0005,044
Cash dividends$1,200,0001,416
Sale, conversion, retirement of capital stock, net$27,0001,170
Net operating income$3,019,0001,108
2009-09-30 (YTD Data)Rank
Total interest income$10,143,0002,507
Total interest expense$3,223,0002,686
Net interest income$6,920,0002,353
Provision for loan and lease losses$307,0004,558
Total noninterest income$840,0003,169
Gross Fiduciary activities income$141,000766
Service charges on deposit accounts$241,0003,771
Trading account gains and fees$0212
Additional Noninterest Income$458,0002,962
Total noninterest expense$3,919,0003,545
Salaries and employee benefits$1,421,0004,554
Premises and equipment expense$566,0003,326
Additional noninterest expense$1,932,0002,640
Pre-tax net operating income$3,534,000943
Securities gains (losses)$03,497
Applicable income taxes$1,376,000649
Income before extraordinary items$2,158,0001,245
Extraordinary gains, net$027
Net income$2,158,0001,243
Minority interest net income$0118
Net income of bank and minority interests.$2,158,0001,245
Net charge-offs$160,0004,531
Cash dividends$900,0001,363
Sale, conversion, retirement of capital stock, net$22,0001,072
Net operating income$2,158,0001,223
2009-06-30 (YTD Data)Rank
Total interest income$6,708,0002,552
Total interest expense$2,198,0002,741
Net interest income$4,510,0002,396
Provision for loan and lease losses$205,0004,287
Total noninterest income$590,0003,075
Gross Fiduciary activities income$96,000773
Service charges on deposit accounts$166,0003,694
Trading account gains and fees$0193
Additional Noninterest Income$328,0002,842
Total noninterest expense$2,627,0003,577
Salaries and employee benefits$922,0004,678
Premises and equipment expense$392,0003,239
Additional noninterest expense$1,313,0002,626
Pre-tax net operating income$2,268,0001,003
Securities gains (losses)$03,136
Applicable income taxes$887,000689
Income before extraordinary items$1,381,0001,373
Extraordinary gains, net$021
Net income$1,381,0001,370
Minority interest net income$0112
Net income of bank and minority interests.$1,381,0001,372
Net charge-offs$119,0004,057
Cash dividends$600,0001,412
Sale, conversion, retirement of capital stock, net$16,0001,032
Net operating income$1,381,0001,328
2009-03-31 (YTD Data)Rank
Total interest income$3,345,0002,596
Total interest expense$1,142,0002,746
Net interest income$2,203,0002,449
Provision for loan and lease losses$95,0003,976
Total noninterest income$288,0003,100
Gross Fiduciary activities income$53,000760
Service charges on deposit accounts$83,0003,630
Trading account gains and fees$0171
Additional Noninterest Income$152,0002,939
Total noninterest expense$1,247,0003,663
Salaries and employee benefits$468,0004,686
Premises and equipment expense$199,0003,234
Additional noninterest expense$580,0002,641
Pre-tax net operating income$1,149,0001,109
Securities gains (losses)$02,434
Applicable income taxes$448,000749
Income before extraordinary items$701,0001,549
Extraordinary gains, net$015
Net income$701,0001,551
Minority interest net income$0102
Net income of bank and minority interests.$701,0001,551
Net charge-offs$76,0003,153
Cash dividends$300,0001,336
Sale, conversion, retirement of capital stock, net$11,000870
Net operating income$701,0001,471
2008-12-31 (YTD Data)Rank
Total interest income$13,617,0002,713
Total interest expense$5,262,0002,843
Net interest income$8,355,0002,601
Provision for loan and lease losses$485,0003,855
Total noninterest income$1,030,0003,347
Gross Fiduciary activities income$219,000770
Service charges on deposit accounts$360,0003,664
Trading account gains and fees$0154
Additional Noninterest Income$451,0003,372
Total noninterest expense$4,610,0003,811
Salaries and employee benefits$1,874,0004,673
Premises and equipment expense$774,0003,264
Additional noninterest expense$1,962,0002,913
Pre-tax net operating income$4,290,0001,276
Securities gains (losses)$03,220
Applicable income taxes$1,669,000791
Income before extraordinary items$2,621,0001,551
Extraordinary gains, net$039
Net income$2,621,0001,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$220,0003,961
Cash dividends$1,000,0002,281
Sale, conversion, retirement of capital stock, net$26,0001,226
Net operating income$2,621,0001,656
2008-09-30 (YTD Data)Rank
Total interest income$10,146,0002,784
Total interest expense$4,071,0002,863
Net interest income$6,075,0002,696
Provision for loan and lease losses$365,0003,221
Total noninterest income$767,0003,437
Gross Fiduciary activities income$177,000748
Service charges on deposit accounts$261,0003,761
Trading account gains and fees$0148
Additional Noninterest Income$329,0003,529
Total noninterest expense$3,393,0003,855
Salaries and employee benefits$1,354,0004,792
Premises and equipment expense$574,0003,301
Additional noninterest expense$1,465,0002,829
Pre-tax net operating income$3,084,0001,582
Securities gains (losses)$03,106
Applicable income taxes$1,193,0001,015
Income before extraordinary items$1,891,0001,870
Extraordinary gains, net$031
Net income$1,891,0001,870
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,617
Cash dividends$750,0002,176
Sale, conversion, retirement of capital stock, net$23,0001,061
Net operating income$1,891,0001,963
2008-06-30 (YTD Data)Rank
Total interest income$6,702,0002,842
Total interest expense$2,853,0002,839
Net interest income$3,849,0002,803
Provision for loan and lease losses$310,0002,477
Total noninterest income$500,0003,500
Gross Fiduciary activities income$117,000766
Service charges on deposit accounts$173,0003,781
Trading account gains and fees$0149
Additional Noninterest Income$210,0003,671
Total noninterest expense$2,253,0003,881
Salaries and employee benefits$928,0004,753
Premises and equipment expense$386,0003,309
Additional noninterest expense$939,0002,903
Pre-tax net operating income$1,786,0001,873
Securities gains (losses)$03,233
Applicable income taxes$690,0001,244
Income before extraordinary items$1,096,0002,384
Extraordinary gains, net$021
Net income$1,096,0002,384
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0003,288
Cash dividends$500,0002,245
Sale, conversion, retirement of capital stock, net$19,000959
Net operating income$1,096,0002,338
2008-03-31 (YTD Data)Rank
Total interest income$3,363,0002,907
Total interest expense$1,566,0002,768
Net interest income$1,797,0002,986
Provision for loan and lease losses$91,0002,842
Total noninterest income$242,0003,593
Gross Fiduciary activities income$59,000777
Service charges on deposit accounts$84,0003,792
Trading account gains and fees$0158
Additional Noninterest Income$99,0003,788
Total noninterest expense$1,134,0003,866
Salaries and employee benefits$479,0004,695
Premises and equipment expense$197,0003,281
Additional noninterest expense$458,0002,928
Pre-tax net operating income$814,0002,124
Securities gains (losses)$02,688
Applicable income taxes$316,0001,424
Income before extraordinary items$498,0002,704
Extraordinary gains, net$015
Net income$498,0002,706
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0002,807
Cash dividends$250,0002,054
Sale, conversion, retirement of capital stock, net$16,000748
Net operating income$498,0002,632
2007-12-31 (YTD Data)Rank
Total interest income$13,230,0003,010
Total interest expense$6,431,0002,841
Net interest income$6,799,0003,168
Provision for loan and lease losses$163,0004,213
Total noninterest income$972,0003,594
Gross Fiduciary activities income$214,000790
Service charges on deposit accounts$329,0003,899
Trading account gains and fees$0178
Additional Noninterest Income$429,0003,600
Total noninterest expense$4,287,0003,908
Salaries and employee benefits$1,635,0005,032
Premises and equipment expense$712,0003,398
Additional noninterest expense$1,940,0002,729
Pre-tax net operating income$3,321,0002,295
Securities gains (losses)$02,146
Applicable income taxes$1,310,0001,556
Income before extraordinary items$2,011,0002,809
Extraordinary gains, net$039
Net income$2,011,0002,808
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0003,898
Cash dividends$850,0002,880
Sale, conversion, retirement of capital stock, net$19,0001,194
Net operating income$2,011,0002,791
2007-09-30 (YTD Data)Rank
Total interest income$9,782,0003,043
Total interest expense$4,753,0002,871
Net interest income$5,029,0003,214
Provision for loan and lease losses$83,0004,460
Total noninterest income$730,0003,597
Gross Fiduciary activities income$164,000779
Service charges on deposit accounts$246,0003,896
Trading account gains and fees$0184
Additional Noninterest Income$320,0003,621
Total noninterest expense$3,256,0003,860
Salaries and employee benefits$1,232,0005,010
Premises and equipment expense$556,0003,267
Additional noninterest expense$1,468,0002,667
Pre-tax net operating income$2,420,0002,492
Securities gains (losses)$01,655
Applicable income taxes$940,0001,718
Income before extraordinary items$1,480,0003,001
Extraordinary gains, net$033
Net income$1,480,0003,000
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0003,416
Cash dividends$600,0002,668
Sale, conversion, retirement of capital stock, net$17,0001,044
Net operating income$1,480,0002,985
2007-06-30 (YTD Data)Rank
Total interest income$6,396,0003,107
Total interest expense$3,112,0002,919
Net interest income$3,284,0003,299
Provision for loan and lease losses$46,0004,481
Total noninterest income$477,0003,654
Gross Fiduciary activities income$109,000791
Service charges on deposit accounts$161,0003,952
Trading account gains and fees$0168
Additional Noninterest Income$207,0003,716
Total noninterest expense$2,194,0003,843
Salaries and employee benefits$839,0004,977
Premises and equipment expense$395,0003,116
Additional noninterest expense$960,0002,724
Pre-tax net operating income$1,521,0002,648
Securities gains (losses)$01,444
Applicable income taxes$590,0001,864
Income before extraordinary items$931,0003,168
Extraordinary gains, net$029
Net income$931,0003,167
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0003,211
Cash dividends$400,0002,742
Sale, conversion, retirement of capital stock, net$17,000926
Net operating income$931,0003,156
2007-03-31 (YTD Data)Rank
Total interest income$3,152,0003,140
Total interest expense$1,520,0002,962
Net interest income$1,632,0003,307
Provision for loan and lease losses$18,0004,475
Total noninterest income$232,0003,705
Gross Fiduciary activities income$56,000789
Service charges on deposit accounts$77,0003,989
Trading account gains and fees$0195
Additional Noninterest Income$99,0003,787
Total noninterest expense$1,065,0003,943
Salaries and employee benefits$394,0005,222
Premises and equipment expense$190,0003,240
Additional noninterest expense$481,0002,706
Pre-tax net operating income$781,0002,604
Securities gains (losses)$01,187
Applicable income taxes$305,0001,833
Income before extraordinary items$476,0003,140
Extraordinary gains, net$022
Net income$476,0003,140
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0002,785
Cash dividends$200,0002,393
Sale, conversion, retirement of capital stock, net$16,000701
Net operating income$476,0003,114
2006-12-31 (YTD Data)Rank
Total interest income$11,860,0003,129
Total interest expense$5,186,0002,946
Net interest income$6,674,0003,243
Provision for loan and lease losses$239,0003,217
Total noninterest income$972,0003,614
Gross Fiduciary activities income$166,000843
Service charges on deposit accounts$323,0003,973
Trading account gains and fees$0130
Additional Noninterest Income$483,0003,397
Total noninterest expense$4,110,0003,908
Salaries and employee benefits$1,703,0004,798
Premises and equipment expense$660,0003,492
Additional noninterest expense$1,747,0002,893
Pre-tax net operating income$3,297,0002,608
Securities gains (losses)$01,687
Applicable income taxes$1,282,0001,878
Income before extraordinary items$2,015,0003,088
Extraordinary gains, net$051
Net income$2,015,0003,087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$221,0002,058
Cash dividends$800,0002,936
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$2,015,0003,077
2006-09-30 (YTD Data)Rank
Total interest income$8,759,0003,137
Total interest expense$3,738,0002,954
Net interest income$5,021,0003,260
Provision for loan and lease losses$175,0003,146
Total noninterest income$748,0003,556
Gross Fiduciary activities income$128,000823
Service charges on deposit accounts$236,0004,044
Trading account gains and fees$0126
Additional Noninterest Income$384,0003,279
Total noninterest expense$3,154,0003,831
Salaries and employee benefits$1,275,0004,771
Premises and equipment expense$500,0003,474
Additional noninterest expense$1,379,0002,747
Pre-tax net operating income$2,440,0002,707
Securities gains (losses)$01,388
Applicable income taxes$949,0001,951
Income before extraordinary items$1,491,0003,224
Extraordinary gains, net$045
Net income$1,491,0003,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$162,0001,748
Cash dividends$600,0002,646
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,491,0003,217
2006-06-30 (YTD Data)Rank
Total interest income$5,702,0003,157
Total interest expense$2,355,0002,970
Net interest income$3,347,0003,260
Provision for loan and lease losses$102,0003,281
Total noninterest income$506,0003,502
Gross Fiduciary activities income$81,000851
Service charges on deposit accounts$150,0004,140
Trading account gains and fees$0126
Additional Noninterest Income$275,0003,169
Total noninterest expense$2,133,0003,792
Salaries and employee benefits$853,0004,795
Premises and equipment expense$347,0003,351
Additional noninterest expense$933,0002,730
Pre-tax net operating income$1,618,0002,723
Securities gains (losses)$01,185
Applicable income taxes$630,0001,991
Income before extraordinary items$988,0003,242
Extraordinary gains, net$039
Net income$988,0003,244
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0001,792
Cash dividends$400,0002,681
Sale, conversion, retirement of capital stock, net$0887
Net operating income$988,0003,235
2006-03-31 (YTD Data)Rank
Total interest income$2,801,0003,157
Total interest expense$1,133,0002,943
Net interest income$1,668,0003,254
Provision for loan and lease losses$85,0002,271
Total noninterest income$206,0003,917
Gross Fiduciary activities income$32,000907
Service charges on deposit accounts$72,0004,162
Trading account gains and fees$0115
Additional Noninterest Income$102,0003,669
Total noninterest expense$1,049,0003,864
Salaries and employee benefits$421,0004,852
Premises and equipment expense$167,0003,466
Additional noninterest expense$461,0002,748
Pre-tax net operating income$740,0002,861
Securities gains (losses)$0955
Applicable income taxes$287,0002,077
Income before extraordinary items$453,0003,400
Extraordinary gains, net$021
Net income$453,0003,399
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0001,080
Cash dividends$200,0002,370
Sale, conversion, retirement of capital stock, net$0648
Net operating income$453,0003,377
2005-12-31 (YTD Data)Rank
Total interest income$9,775,0003,198
Total interest expense$3,065,0003,271
Net interest income$6,710,0003,146
Provision for loan and lease losses$240,0003,239
Total noninterest income$741,0004,228
Gross Fiduciary activities income$105,000933
Service charges on deposit accounts$264,0004,463
Trading account gains and fees$0138
Additional Noninterest Income$372,0003,900
Total noninterest expense$3,613,0004,188
Salaries and employee benefits$1,453,0005,154
Premises and equipment expense$509,0004,126
Additional noninterest expense$1,651,0002,997
Pre-tax net operating income$3,598,0002,408
Securities gains (losses)$39,0001,012
Applicable income taxes$1,403,0001,791
Income before extraordinary items$2,234,0002,807
Extraordinary gains, net$046
Net income$2,234,0002,808
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$212,0002,204
Cash dividends$300,0004,372
Sale, conversion, retirement of capital stock, net$0934
Net operating income$2,209,0402,806
2005-09-30 (YTD Data)Rank
Total interest income$7,041,0003,263
Total interest expense$2,021,0003,482
Net interest income$5,020,0003,135
Provision for loan and lease losses$155,0003,419
Total noninterest income$549,0004,279
Gross Fiduciary activities income$75,000934
Service charges on deposit accounts$201,0004,447
Trading account gains and fees$0126
Additional Noninterest Income$273,0003,965
Total noninterest expense$2,718,0004,135
Salaries and employee benefits$1,098,0005,104
Premises and equipment expense$389,0004,047
Additional noninterest expense$1,231,0002,979
Pre-tax net operating income$2,696,0002,423
Securities gains (losses)$39,000968
Applicable income taxes$1,055,0001,807
Income before extraordinary items$1,680,0002,854
Extraordinary gains, net$035
Net income$1,680,0002,855
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0002,287
Cash dividends$150,0004,338
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,655,0402,855
2005-06-30 (YTD Data)Rank
Total interest income$4,585,0003,261
Total interest expense$1,280,0003,475
Net interest income$3,305,0003,145
Provision for loan and lease losses$109,0003,247
Total noninterest income$327,0004,564
Gross Fiduciary activities income$45,000951
Service charges on deposit accounts$131,0004,456
Trading account gains and fees$0116
Additional Noninterest Income$151,0004,308
Total noninterest expense$1,746,0004,241
Salaries and employee benefits$718,0005,163
Premises and equipment expense$246,0004,198
Additional noninterest expense$782,0003,074
Pre-tax net operating income$1,777,0002,392
Securities gains (losses)$02,146
Applicable income taxes$685,0001,813
Income before extraordinary items$1,092,0002,893
Extraordinary gains, net$030
Net income$1,092,0002,893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0002,162
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,092,0002,851
2005-03-31 (YTD Data)Rank
Total interest income$2,198,0003,341
Total interest expense$603,0003,491
Net interest income$1,595,0003,232
Provision for loan and lease losses$78,0002,437
Total noninterest income$152,0004,678
Gross Fiduciary activities income$21,000974
Service charges on deposit accounts$59,0004,633
Trading account gains and fees$0115
Additional Noninterest Income$72,0004,397
Total noninterest expense$785,0004,614
Salaries and employee benefits$332,0005,462
Premises and equipment expense$116,0004,396
Additional noninterest expense$337,0003,467
Pre-tax net operating income$884,0002,380
Securities gains (losses)$01,685
Applicable income taxes$342,0001,804
Income before extraordinary items$542,0002,854
Extraordinary gains, net$024
Net income$542,0002,855
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0001,641
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$542,0002,800
2004-12-31 (YTD Data)Rank
Total interest income$9,216,0003,045
Total interest expense$2,565,0002,984
Net interest income$6,651,0003,027
Provision for loan and lease losses$261,0003,178
Total noninterest income$705,0004,369
Gross Fiduciary activities income$80,000979
Service charges on deposit accounts$284,0004,436
Trading account gains and fees$0138
Additional Noninterest Income$341,0004,024
Total noninterest expense$2,909,0004,764
Salaries and employee benefits$1,271,0005,517
Premises and equipment expense$407,0004,703
Additional noninterest expense$1,231,0003,662
Pre-tax net operating income$4,186,0001,979
Securities gains (losses)$03,819
Applicable income taxes$1,632,0001,515
Income before extraordinary items$2,554,0002,389
Extraordinary gains, net$034
Net income$2,554,0002,391
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$214,0002,480
Cash dividends$375,0004,013
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,554,0002,329
2004-09-30 (YTD Data)Rank
Total interest income$6,961,0002,987
Total interest expense$1,982,0002,862
Net interest income$4,979,0003,016
Provision for loan and lease losses$162,0003,396
Total noninterest income$511,0004,478
Gross Fiduciary activities income$60,000979
Service charges on deposit accounts$217,0004,428
Trading account gains and fees$0134
Additional Noninterest Income$234,0004,193
Total noninterest expense$2,131,0004,797
Salaries and employee benefits$932,0005,548
Premises and equipment expense$305,0004,702
Additional noninterest expense$894,0003,744
Pre-tax net operating income$3,197,0001,967
Securities gains (losses)$03,710
Applicable income taxes$1,249,0001,495
Income before extraordinary items$1,948,0002,381
Extraordinary gains, net$026
Net income$1,948,0002,384
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$115,0002,625
Cash dividends$375,0003,116
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,948,0002,329
2004-06-30 (YTD Data)Rank
Total interest income$4,670,0002,965
Total interest expense$1,364,0002,779
Net interest income$3,306,0003,018
Provision for loan and lease losses$124,0003,064
Total noninterest income$338,0004,505
Gross Fiduciary activities income$39,000998
Service charges on deposit accounts$148,0004,361
Trading account gains and fees$0130
Additional Noninterest Income$151,0004,291
Total noninterest expense$1,407,0004,859
Salaries and employee benefits$605,0005,669
Premises and equipment expense$203,0004,713
Additional noninterest expense$599,0003,749
Pre-tax net operating income$2,113,0001,951
Securities gains (losses)$03,413
Applicable income taxes$825,0001,495
Income before extraordinary items$1,288,0002,365
Extraordinary gains, net$021
Net income$1,288,0002,365
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0002,403
Cash dividends$250,0003,124
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,288,0002,304
2004-03-31 (YTD Data)Rank
Total interest income$2,352,0002,961
Total interest expense$688,0002,784
Net interest income$1,664,0002,980
Provision for loan and lease losses$46,0003,418
Total noninterest income$167,0004,509
Gross Fiduciary activities income$16,0001,031
Service charges on deposit accounts$74,0004,298
Trading account gains and fees$0121
Additional Noninterest Income$77,0004,245
Total noninterest expense$703,0004,904
Salaries and employee benefits$309,0005,659
Premises and equipment expense$102,0004,723
Additional noninterest expense$292,0003,824
Pre-tax net operating income$1,082,0001,881
Securities gains (losses)$02,934
Applicable income taxes$423,0001,488
Income before extraordinary items$659,0002,302
Extraordinary gains, net$016
Net income$659,0002,303
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0002,425
Cash dividends$125,0002,644
Sale, conversion, retirement of capital stock, net$0464
Net operating income$659,0002,217
2003-12-31 (YTD Data)Rank
Total interest income$9,846,0002,865
Total interest expense$3,124,0002,762
Net interest income$6,722,0002,851
Provision for loan and lease losses$385,0002,666
Total noninterest income$716,0004,495
Gross Fiduciary activities income$56,0001,065
Service charges on deposit accounts$257,0004,696
Trading account gains and fees$0160
Additional Noninterest Income$403,0003,960
Total noninterest expense$2,893,0004,728
Salaries and employee benefits$1,137,0005,818
Premises and equipment expense$406,0004,686
Additional noninterest expense$1,350,0003,384
Pre-tax net operating income$4,160,0001,919
Securities gains (losses)$04,500
Applicable income taxes$1,614,0001,519
Income before extraordinary items$2,546,0002,335
Extraordinary gains, net$054
Net income$2,546,0002,338
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0003,114
Cash dividends$400,0003,891
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,546,0002,227
2003-09-30 (YTD Data)Rank
Total interest income$7,415,0002,894
Total interest expense$2,382,0002,813
Net interest income$5,033,0002,882
Provision for loan and lease losses$315,0002,407
Total noninterest income$586,0004,327
Gross Fiduciary activities income$43,0001,050
Service charges on deposit accounts$188,0004,770
Trading account gains and fees$0153
Additional Noninterest Income$355,0003,745
Total noninterest expense$2,192,0004,664
Salaries and employee benefits$887,0005,650
Premises and equipment expense$304,0004,671
Additional noninterest expense$1,001,0003,393
Pre-tax net operating income$3,112,0001,987
Securities gains (losses)$04,204
Applicable income taxes$1,204,0001,606
Income before extraordinary items$1,908,0002,431
Extraordinary gains, net$040
Net income$1,908,0002,430
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$141,0002,704
Cash dividends$300,0003,447
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,908,0002,316
2003-06-30 (YTD Data)Rank
Total interest income$4,929,0002,938
Total interest expense$1,627,0002,831
Net interest income$3,302,0002,908
Provision for loan and lease losses$210,0002,412
Total noninterest income$390,0004,308
Gross Fiduciary activities income$27,0001,070
Service charges on deposit accounts$126,0004,731
Trading account gains and fees$0150
Additional Noninterest Income$237,0003,717
Total noninterest expense$1,443,0004,705
Salaries and employee benefits$595,0005,642
Premises and equipment expense$202,0004,671
Additional noninterest expense$646,0003,474
Pre-tax net operating income$2,039,0001,997
Securities gains (losses)$03,782
Applicable income taxes$792,0001,632
Income before extraordinary items$1,247,0002,486
Extraordinary gains, net$030
Net income$1,247,0002,484
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0002,386
Cash dividends$200,0003,438
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,247,0002,344
2003-03-31 (YTD Data)Rank
Total interest income$2,468,0002,953
Total interest expense$822,0002,867
Net interest income$1,646,0002,912
Provision for loan and lease losses$105,0002,265
Total noninterest income$133,0005,184
Gross Fiduciary activities income$14,0001,078
Service charges on deposit accounts$61,0004,717
Trading account gains and fees$0134
Additional Noninterest Income$58,0004,989
Total noninterest expense$704,0004,770
Salaries and employee benefits$297,0005,656
Premises and equipment expense$104,0004,580
Additional noninterest expense$303,0003,631
Pre-tax net operating income$970,0002,097
Securities gains (losses)$02,891
Applicable income taxes$379,0001,704
Income before extraordinary items$591,0002,578
Extraordinary gains, net$021
Net income$591,0002,576
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0002,432
Cash dividends$100,0002,874
Sale, conversion, retirement of capital stock, net$0419
Net operating income$591,0002,439
2002-12-31 (YTD Data)Rank
Total interest income$10,001,0003,020
Total interest expense$3,508,0003,091
Net interest income$6,493,0002,935
Provision for loan and lease losses$480,0002,438
Total noninterest income$396,0005,808
Gross Fiduciary activities income$59,0001,083
Service charges on deposit accounts$186,0005,376
Trading account gains and fees$0153
Additional Noninterest Income$151,0005,588
Total noninterest expense$2,655,0004,877
Salaries and employee benefits$1,134,0005,692
Premises and equipment expense$344,0005,151
Additional noninterest expense$1,177,0003,663
Pre-tax net operating income$3,754,0002,090
Securities gains (losses)$04,537
Applicable income taxes$1,470,0001,678
Income before extraordinary items$2,284,0002,523
Extraordinary gains, net$070
Net income$2,284,0002,523
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$189,0003,098
Cash dividends$400,0003,806
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,284,0002,440
2001-12-31 (YTD Data)Rank
Total interest income$10,044,0003,298
Total interest expense$4,567,0003,409
Net interest income$5,477,0003,189
Provision for loan and lease losses$347,0002,928
Total noninterest income$337,0006,115
Gross Fiduciary activities income$70,0001,071
Service charges on deposit accounts$168,0005,540
Trading account gains and fees$0177
Additional Noninterest Income$99,0006,463
Total noninterest expense$2,456,0005,011
Salaries and employee benefits$963,0006,121
Premises and equipment expense$291,0005,618
Additional noninterest expense$1,202,0003,497
Pre-tax net operating income$3,011,0002,256
Securities gains (losses)$04,612
Applicable income taxes$1,192,0001,824
Income before extraordinary items$1,819,0002,765
Extraordinary gains, net$0105
Net income$1,819,0002,768
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$153,0003,341
Cash dividends$200,0004,983
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,819,0002,672
2000-12-31 (YTD Data)Rank
Total interest income$9,266,0003,641
Total interest expense$4,979,0003,330
Net interest income$4,287,0003,948
Provision for loan and lease losses$304,0002,798
Total noninterest income$345,0005,924
Gross Fiduciary activities income$63,0001,013
Service charges on deposit accounts$152,0005,729
Trading account gains and fees$0180
Additional Noninterest Income$130,0005,818
Total noninterest expense$2,304,0005,153
Salaries and employee benefits$924,0006,228
Premises and equipment expense$257,0005,950
Additional noninterest expense$1,123,0003,640
Pre-tax net operating income$2,024,0003,297
Securities gains (losses)$01,956
Applicable income taxes$811,0002,495
Income before extraordinary items$1,213,0003,835
Extraordinary gains, net$038
Net income$1,213,0003,835
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0003,357
Cash dividends$75,0006,167
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,213,0003,820
1999-12-31 (YTD Data)Rank
Total interest income$7,792,0004,012
Total interest expense$3,855,0003,701
Net interest income$3,937,0004,241
Provision for loan and lease losses$255,0003,010
Total noninterest income$354,0005,975
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$141,0006,001
Trading account gains and feesNANA
Additional Noninterest Income$213,0004,797
Total noninterest expense$2,195,0005,338
Salaries and employee benefits$875,0006,423
Premises and equipment expense$259,0005,928
Additional noninterest expense$1,061,0003,825
Pre-tax net operating income$1,841,0003,554
Securities gains (losses)$03,155
Applicable income taxes$743,0002,795
Income before extraordinary items$1,098,0004,160
Extraordinary gains, net$035
Net income$1,098,0004,164
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,344
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,098,0004,113
1998-12-31 (YTD Data)Rank
Total interest income$6,715,0004,546
Total interest expense$3,387,0004,270
Net interest income$3,328,0004,775
Provision for loan and lease losses$208,0003,440
Total noninterest income$283,0006,633
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0006,109
Trading account gains and feesNANA
Additional Noninterest Income$144,0005,793
Total noninterest expense$2,127,0005,349
Salaries and employee benefits$859,0006,417
Premises and equipment expense$254,0005,912
Additional noninterest expense$1,014,0003,908
Pre-tax net operating income$1,276,0004,689
Securities gains (losses)$04,449
Applicable income taxes$508,0003,793
Income before extraordinary items$768,0005,315
Extraordinary gains, net$032
Net income$768,0005,315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,450
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$768,0005,210
1997-12-31 (YTD Data)Rank
Total interest income$6,292,0004,868
Total interest expense$3,231,0004,418
Net interest income$3,061,0005,219
Provision for loan and lease losses$144,0004,243
Total noninterest income$262,0007,082
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$142,0006,310
Trading account gains and feesNANA
Additional Noninterest Income$120,0006,280
Total noninterest expense$2,199,0005,294
Salaries and employee benefits$825,0006,657
Premises and equipment expense$239,0006,223
Additional noninterest expense$1,135,0003,508
Pre-tax net operating income$980,0005,894
Securities gains (losses)$03,944
Applicable income taxes$385,0004,993
Income before extraordinary items$595,0006,403
Extraordinary gains, net$044
Net income$595,0006,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$118,0003,479
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$595,0006,347
1996-12-31 (YTD Data)Rank
Total interest income$5,246,0005,726
Total interest expense$2,543,0005,440
Net interest income$2,703,0005,872
Provision for loan and lease losses$96,0005,205
Total noninterest income$283,0007,154
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$142,0006,615
Trading account gains and feesNANA
Additional Noninterest Income$141,0006,154
Total noninterest expense$2,184,0005,572
Salaries and employee benefits$800,0006,982
Premises and equipment expense$243,0006,346
Additional noninterest expense$1,141,0003,939
Pre-tax net operating income$706,0006,910
Securities gains (losses)$04,148
Applicable income taxes$278,0006,083
Income before extraordinary items$428,0007,395
Extraordinary gains, net$053
Net income$428,0007,395
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0004,972
Cash dividends$200,0005,388
Sale, conversion, retirement of capital stock, net$0953
Net operating income$428,0007,340
1995-12-31 (YTD Data)Rank
Total interest income$4,581,0006,371
Total interest expense$2,142,0006,184
Net interest income$2,439,0006,415
Provision for loan and lease losses$120,0004,090
Total noninterest income$263,0007,534
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0007,064
Trading account gains and feesNANA
Additional Noninterest Income$132,0006,351
Total noninterest expense$2,235,0005,480
Salaries and employee benefits$832,0006,939
Premises and equipment expense$274,0006,002
Additional noninterest expense$1,129,0003,944
Pre-tax net operating income$347,0009,404
Securities gains (losses)$03,831
Applicable income taxes$129,0008,642
Income before extraordinary items$218,0009,737
Extraordinary gains, net$065
Net income$218,0009,742
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,779
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$218,0009,707
1994-12-31 (YTD Data)Rank
Total interest income$3,964,0006,745
Total interest expense$1,563,0006,702
Net interest income$2,401,0006,663
Provision for loan and lease losses$150,0003,586
Total noninterest income$247,0008,000
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0007,336
Trading account gains and feesNANA
Additional Noninterest Income$116,0007,032
Total noninterest expense$2,268,0005,593
Salaries and employee benefits$811,0007,145
Premises and equipment expense$285,0005,938
Additional noninterest expense$1,172,0004,132
Pre-tax net operating income$230,00010,657
Securities gains (losses)$03,600
Applicable income taxes$75,0009,915
Income before extraordinary items$155,00010,754
Extraordinary gains, net$0249
Net income$155,00010,759
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$176,0002,709
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$155,00010,802
1993-12-31 (YTD Data)Rank
Total interest income$3,879,0007,024
Total interest expense$1,632,0006,791
Net interest income$2,247,0007,043
Provision for loan and lease losses$120,0005,200
Total noninterest income$244,0008,449
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$135,0007,460
Trading account gains and feesNANA
Additional Noninterest Income$109,0007,610
Total noninterest expense$2,074,0006,147
Salaries and employee benefits$766,0007,526
Premises and equipment expense$254,0006,618
Additional noninterest expense$1,054,0004,699
Pre-tax net operating income$297,00010,267
Securities gains (losses)$07,477
Applicable income taxes$97,0009,810
Income before extraordinary items$200,00010,659
Extraordinary gains, net$03,149
Net income$200,00010,766
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$95,0004,663
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$200,00010,430
1992-12-31 (YTD Data)Rank
Total interest income$4,029,0007,465
Total interest expense$1,979,0007,151
Net interest income$2,050,0007,620
Provision for loan and lease losses$120,0006,707
Total noninterest income$237,0008,727
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0007,552
Trading account gains and feesNANA
Additional Noninterest Income$103,0007,958
Total noninterest expense$1,837,0006,830
Salaries and employee benefits$650,0008,387
Premises and equipment expense$279,0006,297
Additional noninterest expense$908,0005,481
Pre-tax net operating income$330,0009,874
Securities gains (losses)$08,369
Applicable income taxes$115,0009,514
Income before extraordinary items$215,00010,395
Extraordinary gains, net$01,422
Net income$215,00010,530
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0008,917
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$215,00010,035

* 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.