Home > Southern Michigan Bank & Trust > Income and Expense

Southern Michigan Bank & Trust, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$65,499,000749
Total interest expense$23,774,000700
Net interest income$41,725,000776
Provision for loan and lease losses$950,000861
Total noninterest income$7,750,000892
Gross Fiduciary activities income$2,419,000368
Service charges on deposit accounts$1,744,000636
Trading account gains and fees$0123
Additional Noninterest Income$3,587,0001,120
Total noninterest expense$32,793,000819
Salaries and employee benefits$19,516,000780
Premises and equipment expense$3,434,000772
Additional noninterest expense$3,587,0001,120
Pre-tax net operating income$15,732,000824
Securities gains (losses)$0988
Applicable income taxes$3,053,000740
Income before extraordinary items$12,679,000831
Extraordinary gains, net$054
Net income$12,679,000842
Minority interest net income$088
Net income of bank and minority interests.$12,679,000834
Net charge-offs$15,0002,309
Cash dividends$1,910,0001,575
Sale, conversion, retirement of capital stock, net$0540
Net operating income$12,679,000842
2023-09-30 (YTD Data)Rank
Total interest income$47,503,000758
Total interest expense$16,548,000695
Net interest income$30,955,000798
Provision for loan and lease losses$950,000676
Total noninterest income$5,767,000902
Gross Fiduciary activities income$1,787,000371
Service charges on deposit accounts$1,304,000634
Trading account gains and fees$0125
Additional Noninterest Income$2,676,0001,121
Total noninterest expense$23,584,000864
Salaries and employee benefits$13,945,000826
Premises and equipment expense$2,598,000769
Additional noninterest expense$2,676,0001,121
Pre-tax net operating income$12,188,000836
Securities gains (losses)$34,000321
Applicable income taxes$2,324,000764
Income before extraordinary items$9,898,000842
Extraordinary gains, net$052
Net income$9,898,000846
Minority interest net income$081
Net income of bank and minority interests.$9,898,000842
Net charge-offs$4,0002,363
Cash dividends$1,281,0001,490
Sale, conversion, retirement of capital stock, net$0507
Net operating income$9,870,460858
2023-06-30 (YTD Data)Rank
Total interest income$30,287,000758
Total interest expense$9,713,000700
Net interest income$20,574,000796
Provision for loan and lease losses$925,000532
Total noninterest income$3,788,000870
Gross Fiduciary activities income$1,158,000370
Service charges on deposit accounts$862,000634
Trading account gains and fees$0112
Additional Noninterest Income$1,768,0001,072
Total noninterest expense$15,435,000856
Salaries and employee benefits$8,857,000845
Premises and equipment expense$1,723,000761
Additional noninterest expense$1,768,0001,071
Pre-tax net operating income$8,002,000848
Securities gains (losses)$31,000356
Applicable income taxes$1,544,000768
Income before extraordinary items$6,489,000850
Extraordinary gains, net$051
Net income$6,489,000863
Minority interest net income$081
Net income of bank and minority interests.$6,489,000850
Net charge-offs$-3,0003,600
Cash dividends$1,281,0001,208
Sale, conversion, retirement of capital stock, net$0486
Net operating income$6,463,890861
2023-03-31 (YTD Data)Rank
Total interest income$14,319,000792
Total interest expense$4,035,000729
Net interest income$10,284,000805
Provision for loan and lease losses$275,000726
Total noninterest income$1,818,000892
Gross Fiduciary activities income$567,000384
Service charges on deposit accounts$410,000676
Trading account gains and fees$097
Additional Noninterest Income$841,0001,087
Total noninterest expense$7,639,000873
Salaries and employee benefits$4,443,000855
Premises and equipment expense$857,000791
Additional noninterest expense$841,0001,087
Pre-tax net operating income$4,188,000854
Securities gains (losses)$13,000528
Applicable income taxes$852,000742
Income before extraordinary items$3,349,000860
Extraordinary gains, net$04
Net income$3,349,000859
Minority interest net income$048
Net income of bank and minority interests.$3,349,000859
Net charge-offs$1,0001,904
Cash dividends$640,0001,090
Sale, conversion, retirement of capital stock, net$0430
Net operating income$3,338,600878
2022-12-31 (YTD Data)Rank
Total interest income$44,101,000826
Total interest expense$4,480,000854
Net interest income$39,621,000831
Provision for loan and lease losses$275,0001,579
Total noninterest income$8,240,000865
Gross Fiduciary activities income$2,264,000395
Service charges on deposit accounts$1,591,000702
Trading account gains and fees$0116
Additional Noninterest Income$4,385,000993
Total noninterest expense$29,396,000885
Salaries and employee benefits$17,520,000841
Premises and equipment expense$3,155,000825
Additional noninterest expense$4,385,000993
Pre-tax net operating income$18,190,000810
Securities gains (losses)$-666,0004,384
Applicable income taxes$3,054,000825
Income before extraordinary items$14,470,000816
Extraordinary gains, net$05
Net income$14,470,000817
Minority interest net income$063
Net income of bank and minority interests.$14,470,000817
Net charge-offs$7,0002,241
Cash dividends$3,962,000945
Sale, conversion, retirement of capital stock, net$0568
Net operating income$15,022,780807
2022-09-30 (YTD Data)Rank
Total interest income$30,892,000848
Total interest expense$2,297,000891
Net interest income$28,595,000846
Provision for loan and lease losses$02,835
Total noninterest income$5,659,000930
Gross Fiduciary activities income$1,675,000399
Service charges on deposit accounts$1,172,000717
Trading account gains and fees$0111
Additional Noninterest Income$2,812,0001,112
Total noninterest expense$21,260,000902
Salaries and employee benefits$12,512,000879
Premises and equipment expense$2,334,000835
Additional noninterest expense$2,812,0001,112
Pre-tax net operating income$12,994,000844
Securities gains (losses)$0740
Applicable income taxes$2,410,000798
Income before extraordinary items$10,584,000846
Extraordinary gains, net$04
Net income$10,584,000846
Minority interest net income$057
Net income of bank and minority interests.$10,584,000846
Net charge-offs$-11,0003,629
Cash dividends$2,721,000902
Sale, conversion, retirement of capital stock, net$0519
Net operating income$10,584,000864
2022-06-30 (YTD Data)Rank
Total interest income$19,363,000857
Total interest expense$1,253,000916
Net interest income$18,110,000853
Provision for loan and lease losses$02,599
Total noninterest income$3,792,000913
Gross Fiduciary activities income$1,133,000356
Service charges on deposit accounts$749,000740
Trading account gains and fees$0108
Additional Noninterest Income$1,910,0001,121
Total noninterest expense$13,719,000907
Salaries and employee benefits$7,994,000887
Premises and equipment expense$1,542,000829
Additional noninterest expense$4,183,000898
Pre-tax net operating income$8,183,000835
Securities gains (losses)$0687
Applicable income taxes$1,501,000791
Income before extraordinary items$6,682,000847
Extraordinary gains, net$04
Net income$6,682,000847
Minority interest net income$060
Net income of bank and minority interests.$6,682,000847
Net charge-offs$3,0001,878
Cash dividends$1,630,000979
Sale, conversion, retirement of capital stock, net$0494
Net operating income$6,682,000860
2022-03-31 (YTD Data)Rank
Total interest income$9,209,000869
Total interest expense$584,000954
Net interest income$8,625,000866
Provision for loan and lease losses$02,285
Total noninterest income$1,910,000913
Gross Fiduciary activities income$576,000355
Service charges on deposit accounts$380,000730
Trading account gains and fees$0103
Additional Noninterest Income$954,0001,112
Total noninterest expense$6,662,000933
Salaries and employee benefits$3,842,000927
Premises and equipment expense$766,000838
Additional noninterest expense$2,054,000899
Pre-tax net operating income$3,873,000839
Securities gains (losses)$0623
Applicable income taxes$713,000798
Income before extraordinary items$3,160,000850
Extraordinary gains, net$04
Net income$3,160,000849
Minority interest net income$050
Net income of bank and minority interests.$3,160,000850
Net charge-offs$13,0001,108
Cash dividends$1,040,000744
Sale, conversion, retirement of capital stock, net$0453
Net operating income$3,160,000859
2021-12-31 (YTD Data)Rank
Total interest income$37,103,000894
Total interest expense$2,671,0001,021
Net interest income$34,432,000877
Provision for loan and lease losses$1,500,000397
Total noninterest income$9,056,000895
Gross Fiduciary activities income$2,267,000351
Service charges on deposit accounts$1,357,000757
Trading account gains and fees$0132
Additional Noninterest Income$5,432,0001,010
Total noninterest expense$26,479,000940
Salaries and employee benefits$15,567,000906
Premises and equipment expense$2,897,000886
Additional noninterest expense$8,015,000933
Pre-tax net operating income$15,509,000916
Securities gains (losses)$5,0001,837
Applicable income taxes$2,829,000892
Income before extraordinary items$12,685,000957
Extraordinary gains, net$010
Net income$12,685,000958
Minority interest net income$074
Net income of bank and minority interests.$12,685,000958
Net charge-offs$-31,0003,968
Cash dividends$3,884,000973
Sale, conversion, retirement of capital stock, net$0582
Net operating income$12,680,900944
2021-09-30 (YTD Data)Rank
Total interest income$27,413,000919
Total interest expense$2,085,0001,037
Net interest income$25,328,000904
Provision for loan and lease losses$1,050,000415
Total noninterest income$6,900,000911
Gross Fiduciary activities income$1,681,000353
Service charges on deposit accounts$966,000790
Trading account gains and fees$0132
Additional Noninterest Income$4,253,000999
Total noninterest expense$19,100,000975
Salaries and employee benefits$11,188,000948
Premises and equipment expense$2,169,000902
Additional noninterest expense$5,743,000963
Pre-tax net operating income$12,078,000927
Securities gains (losses)$5,0001,760
Applicable income taxes$2,232,000912
Income before extraordinary items$9,851,000964
Extraordinary gains, net$08
Net income$9,851,000964
Minority interest net income$069
Net income of bank and minority interests.$9,851,000964
Net charge-offs$-40,0004,137
Cash dividends$2,642,000949
Sale, conversion, retirement of capital stock, net$0543
Net operating income$9,846,900948
2021-06-30 (YTD Data)Rank
Total interest income$17,619,000939
Total interest expense$1,476,0001,025
Net interest income$16,143,000920
Provision for loan and lease losses$400,000725
Total noninterest income$4,717,000888
Gross Fiduciary activities income$1,094,000351
Service charges on deposit accounts$602,000804
Trading account gains and fees$0133
Additional Noninterest Income$3,021,000963
Total noninterest expense$12,605,000977
Salaries and employee benefits$7,408,000944
Premises and equipment expense$1,473,000894
Additional noninterest expense$3,724,000981
Pre-tax net operating income$7,855,000933
Securities gains (losses)$5,0001,571
Applicable income taxes$1,438,000917
Income before extraordinary items$6,422,000973
Extraordinary gains, net$06
Net income$6,422,000973
Minority interest net income$067
Net income of bank and minority interests.$6,422,000973
Net charge-offs$-40,0004,302
Cash dividends$2,100,000811
Sale, conversion, retirement of capital stock, net$0517
Net operating income$6,417,900953
2021-03-31 (YTD Data)Rank
Total interest income$8,786,000927
Total interest expense$786,0001,005
Net interest income$8,000,000912
Provision for loan and lease losses$02,741
Total noninterest income$2,255,000921
Gross Fiduciary activities income$549,000347
Service charges on deposit accounts$309,000773
Trading account gains and fees$0127
Additional Noninterest Income$1,397,0001,030
Total noninterest expense$6,355,000961
Salaries and employee benefits$3,789,000927
Premises and equipment expense$749,000885
Additional noninterest expense$1,817,000978
Pre-tax net operating income$3,900,000931
Securities gains (losses)$01,392
Applicable income taxes$737,000886
Income before extraordinary items$3,163,000966
Extraordinary gains, net$03
Net income$3,163,000966
Minority interest net income$055
Net income of bank and minority interests.$3,163,000966
Net charge-offs$-29,0004,454
Cash dividends$1,150,000680
Sale, conversion, retirement of capital stock, net$0482
Net operating income$3,163,000945
2020-12-31 (YTD Data)Rank
Total interest income$31,761,0001,004
Total interest expense$4,527,0001,041
Net interest income$27,234,000995
Provision for loan and lease losses$2,600,000884
Total noninterest income$8,508,000889
Gross Fiduciary activities income$2,048,000347
Service charges on deposit accounts$1,433,000700
Trading account gains and fees$0133
Additional Noninterest Income$5,027,0001,012
Total noninterest expense$23,669,000989
Salaries and employee benefits$13,822,000968
Premises and equipment expense$2,844,000891
Additional noninterest expense$7,003,000985
Pre-tax net operating income$9,473,0001,110
Securities gains (losses)$02,675
Applicable income taxes$1,708,0001,034
Income before extraordinary items$7,765,0001,164
Extraordinary gains, net$04
Net income$7,765,0001,164
Minority interest net income$072
Net income of bank and minority interests.$7,765,0001,164
Net charge-offs$-5,0004,126
Cash dividends$2,994,0001,142
Sale, conversion, retirement of capital stock, net$0566
Net operating income$7,765,0001,134
2020-09-30 (YTD Data)Rank
Total interest income$23,713,0001,006
Total interest expense$3,623,0001,042
Net interest income$20,090,0001,000
Provision for loan and lease losses$2,250,000830
Total noninterest income$6,290,000875
Gross Fiduciary activities income$1,535,000342
Service charges on deposit accounts$1,084,000685
Trading account gains and fees$0125
Additional Noninterest Income$3,671,0001,001
Total noninterest expense$17,224,000994
Salaries and employee benefits$9,854,000992
Premises and equipment expense$2,151,000882
Additional noninterest expense$5,219,000976
Pre-tax net operating income$6,906,0001,095
Securities gains (losses)$02,494
Applicable income taxes$1,217,0001,033
Income before extraordinary items$5,689,0001,146
Extraordinary gains, net$04
Net income$5,689,0001,146
Minority interest net income$065
Net income of bank and minority interests.$5,689,0001,146
Net charge-offs$10,0002,745
Cash dividends$1,963,0001,133
Sale, conversion, retirement of capital stock, net$0532
Net operating income$5,689,0001,113
2020-06-30 (YTD Data)Rank
Total interest income$15,967,0001,011
Total interest expense$2,585,0001,053
Net interest income$13,382,0001,006
Provision for loan and lease losses$1,750,000776
Total noninterest income$3,818,000887
Gross Fiduciary activities income$1,021,000344
Service charges on deposit accounts$746,000670
Trading account gains and fees$0123
Additional Noninterest Income$2,051,0001,071
Total noninterest expense$11,104,0001,010
Salaries and employee benefits$6,185,0001,029
Premises and equipment expense$1,431,000887
Additional noninterest expense$3,488,000975
Pre-tax net operating income$4,346,0001,095
Securities gains (losses)$02,249
Applicable income taxes$793,000989
Income before extraordinary items$3,553,0001,140
Extraordinary gains, net$04
Net income$3,553,0001,140
Minority interest net income$065
Net income of bank and minority interests.$3,553,0001,140
Net charge-offs$-2,0003,888
Cash dividends$1,963,000832
Sale, conversion, retirement of capital stock, net$0504
Net operating income$3,553,0001,111
2020-03-31 (YTD Data)Rank
Total interest income$7,964,0001,020
Total interest expense$1,406,0001,073
Net interest income$6,558,000999
Provision for loan and lease losses$1,000,000602
Total noninterest income$1,882,000844
Gross Fiduciary activities income$517,000337
Service charges on deposit accounts$479,000630
Trading account gains and fees$0106
Additional Noninterest Income$886,0001,061
Total noninterest expense$5,493,0001,029
Salaries and employee benefits$3,063,0001,052
Premises and equipment expense$746,000869
Additional noninterest expense$1,684,0001,014
Pre-tax net operating income$1,947,0001,071
Securities gains (losses)$01,705
Applicable income taxes$340,000988
Income before extraordinary items$1,607,0001,123
Extraordinary gains, net$04
Net income$1,607,0001,122
Minority interest net income$056
Net income of bank and minority interests.$1,607,0001,123
Net charge-offs$7,0001,991
Cash dividends$982,000848
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,607,0001,100
2019-12-31 (YTD Data)Rank
Total interest income$32,490,0001,012
Total interest expense$5,663,0001,119
Net interest income$26,827,000985
Provision for loan and lease losses$225,0002,245
Total noninterest income$7,357,000872
Gross Fiduciary activities income$2,085,000335
Service charges on deposit accounts$2,082,000607
Trading account gains and fees$0135
Additional Noninterest Income$3,190,0001,154
Total noninterest expense$23,362,000956
Salaries and employee benefits$13,134,000966
Premises and equipment expense$2,739,000916
Additional noninterest expense$7,489,000910
Pre-tax net operating income$10,597,0001,015
Securities gains (losses)$366,000451
Applicable income taxes$1,988,000904
Income before extraordinary items$8,975,0001,019
Extraordinary gains, net$011
Net income$8,975,0001,020
Minority interest net income$076
Net income of bank and minority interests.$8,975,0001,020
Net charge-offs$158,0001,880
Cash dividends$4,358,000895
Sale, conversion, retirement of capital stock, net$0626
Net operating income$8,674,8801,025
2019-09-30 (YTD Data)Rank
Total interest income$24,266,0001,017
Total interest expense$4,177,0001,136
Net interest income$20,089,000992
Provision for loan and lease losses$150,0002,250
Total noninterest income$5,392,000883
Gross Fiduciary activities income$1,541,000342
Service charges on deposit accounts$1,569,000602
Trading account gains and fees$0129
Additional Noninterest Income$2,282,0001,177
Total noninterest expense$17,135,000969
Salaries and employee benefits$9,725,000979
Premises and equipment expense$2,033,000922
Additional noninterest expense$5,377,000938
Pre-tax net operating income$8,196,0001,008
Securities gains (losses)$366,000370
Applicable income taxes$1,536,000927
Income before extraordinary items$7,026,0001,005
Extraordinary gains, net$011
Net income$7,026,0001,006
Minority interest net income$072
Net income of bank and minority interests.$7,026,0001,006
Net charge-offs$145,0001,514
Cash dividends$3,376,000813
Sale, conversion, retirement of capital stock, net$0590
Net operating income$6,725,8801,021
2019-06-30 (YTD Data)Rank
Total interest income$16,004,0001,023
Total interest expense$2,672,0001,157
Net interest income$13,332,000993
Provision for loan and lease losses$150,0001,792
Total noninterest income$3,362,000904
Gross Fiduciary activities income$1,017,000345
Service charges on deposit accounts$1,022,000605
Trading account gains and fees$0131
Additional Noninterest Income$1,323,0001,259
Total noninterest expense$11,359,000973
Salaries and employee benefits$6,488,000968
Premises and equipment expense$1,318,000946
Additional noninterest expense$3,553,000958
Pre-tax net operating income$5,185,0001,012
Securities gains (losses)$207,000370
Applicable income taxes$990,000915
Income before extraordinary items$4,402,0001,027
Extraordinary gains, net$011
Net income$4,402,0001,027
Minority interest net income$069
Net income of bank and minority interests.$4,402,0001,027
Net charge-offs$110,0001,361
Cash dividends$2,768,000692
Sale, conversion, retirement of capital stock, net$0573
Net operating income$4,232,2601,041
2019-03-31 (YTD Data)Rank
Total interest income$7,826,0001,035
Total interest expense$1,252,0001,191
Net interest income$6,574,0001,007
Provision for loan and lease losses$150,0001,133
Total noninterest income$1,638,000890
Gross Fiduciary activities income$503,000340
Service charges on deposit accounts$505,000607
Trading account gains and fees$0126
Additional Noninterest Income$630,0001,252
Total noninterest expense$5,703,000967
Salaries and employee benefits$3,228,000976
Premises and equipment expense$688,000918
Additional noninterest expense$1,787,000935
Pre-tax net operating income$2,359,0001,083
Securities gains (losses)$46,000405
Applicable income taxes$414,0001,020
Income before extraordinary items$1,991,0001,093
Extraordinary gains, net$05
Net income$1,991,0001,092
Minority interest net income$052
Net income of bank and minority interests.$1,991,0001,092
Net charge-offs$3,0002,375
Cash dividends$1,711,000569
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,952,8201,093
2018-12-31 (YTD Data)Rank
Total interest income$29,746,0001,013
Total interest expense$3,713,0001,209
Net interest income$26,033,000999
Provision for loan and lease losses$250,0002,131
Total noninterest income$6,842,000900
Gross Fiduciary activities income$2,027,000343
Service charges on deposit accounts$1,838,000697
Trading account gains and fees$0126
Additional Noninterest Income$2,977,0001,148
Total noninterest expense$22,143,000982
Salaries and employee benefits$12,154,000996
Premises and equipment expense$2,715,000912
Additional noninterest expense$7,274,000924
Pre-tax net operating income$10,482,000995
Securities gains (losses)$-161,0005,112
Applicable income taxes$1,740,000959
Income before extraordinary items$8,581,0001,048
Extraordinary gains, net$06
Net income$8,581,0001,047
Minority interest net income$072
Net income of bank and minority interests.$8,581,0001,047
Net charge-offs$142,0001,892
Cash dividends$3,258,0001,023
Sale, conversion, retirement of capital stock, net$0671
Net operating income$8,714,6301,036
2018-09-30 (YTD Data)Rank
Total interest income$21,945,0001,018
Total interest expense$2,578,0001,222
Net interest income$19,367,0001,005
Provision for loan and lease losses$03,948
Total noninterest income$4,974,000923
Gross Fiduciary activities income$1,479,000353
Service charges on deposit accounts$1,275,000737
Trading account gains and fees$0138
Additional Noninterest Income$2,220,0001,169
Total noninterest expense$16,302,000989
Salaries and employee benefits$9,091,0001,007
Premises and equipment expense$2,000,000924
Additional noninterest expense$5,211,000953
Pre-tax net operating income$8,039,000995
Securities gains (losses)$01,118
Applicable income taxes$1,312,000978
Income before extraordinary items$6,727,0001,009
Extraordinary gains, net$05
Net income$6,727,0001,008
Minority interest net income$066
Net income of bank and minority interests.$6,727,0001,008
Net charge-offs$98,0001,744
Cash dividends$2,273,000967
Sale, conversion, retirement of capital stock, net$0633
Net operating income$6,727,0001,007
2018-06-30 (YTD Data)Rank
Total interest income$14,369,0001,031
Total interest expense$1,527,0001,267
Net interest income$12,842,0001,007
Provision for loan and lease losses$03,782
Total noninterest income$3,244,000931
Gross Fiduciary activities income$957,000361
Service charges on deposit accounts$810,000757
Trading account gains and fees$0130
Additional Noninterest Income$1,477,0001,172
Total noninterest expense$10,989,000984
Salaries and employee benefits$6,015,0001,014
Premises and equipment expense$1,388,000900
Additional noninterest expense$3,586,000913
Pre-tax net operating income$5,097,0001,010
Securities gains (losses)$0961
Applicable income taxes$771,0001,041
Income before extraordinary items$4,326,0001,023
Extraordinary gains, net$06
Net income$4,326,0001,022
Minority interest net income$065
Net income of bank and minority interests.$4,326,0001,022
Net charge-offs$22,0002,198
Cash dividends$1,923,000802
Sale, conversion, retirement of capital stock, net$0620
Net operating income$4,326,0001,016
2018-03-31 (YTD Data)Rank
Total interest income$6,976,0001,043
Total interest expense$702,0001,303
Net interest income$6,274,0001,023
Provision for loan and lease losses$03,508
Total noninterest income$1,604,000926
Gross Fiduciary activities income$484,000357
Service charges on deposit accounts$405,000768
Trading account gains and fees$0123
Additional Noninterest Income$715,0001,183
Total noninterest expense$5,478,000993
Salaries and employee benefits$2,994,0001,035
Premises and equipment expense$706,000891
Additional noninterest expense$1,778,000912
Pre-tax net operating income$2,400,0001,029
Securities gains (losses)$0735
Applicable income taxes$403,000998
Income before extraordinary items$1,997,0001,059
Extraordinary gains, net$07
Net income$1,997,0001,058
Minority interest net income$052
Net income of bank and minority interests.$1,997,0001,059
Net charge-offs$15,0001,795
Cash dividends$962,000755
Sale, conversion, retirement of capital stock, net$0580
Net operating income$1,997,0001,053
2017-12-31 (YTD Data)Rank
Total interest income$25,326,0001,108
Total interest expense$2,132,0001,463
Net interest income$23,194,0001,077
Provision for loan and lease losses$175,0002,522
Total noninterest income$6,639,000906
Gross Fiduciary activities income$1,658,000372
Service charges on deposit accounts$1,737,000725
Trading account gains and fees$0151
Additional Noninterest Income$3,244,0001,104
Total noninterest expense$20,614,0001,033
Salaries and employee benefits$11,450,0001,043
Premises and equipment expense$2,454,000969
Additional noninterest expense$6,710,000971
Pre-tax net operating income$9,044,0001,072
Securities gains (losses)$3,0001,912
Applicable income taxes$3,372,000886
Income before extraordinary items$5,675,0001,227
Extraordinary gains, net$09
Net income$5,675,0001,227
Minority interest net income$076
Net income of bank and minority interests.$5,675,0001,227
Net charge-offs$8,0003,737
Cash dividends$3,048,0001,012
Sale, conversion, retirement of capital stock, net$0711
Net operating income$5,673,0801,210
2017-09-30 (YTD Data)Rank
Total interest income$18,504,0001,131
Total interest expense$1,458,0001,550
Net interest income$17,046,0001,096
Provision for loan and lease losses$175,0002,174
Total noninterest income$4,911,000936
Gross Fiduciary activities income$1,196,000377
Service charges on deposit accounts$1,288,000737
Trading account gains and fees$0145
Additional Noninterest Income$2,427,0001,112
Total noninterest expense$15,145,0001,047
Salaries and employee benefits$8,407,0001,068
Premises and equipment expense$1,831,000984
Additional noninterest expense$4,907,000982
Pre-tax net operating income$6,637,0001,104
Securities gains (losses)$3,0001,944
Applicable income taxes$1,877,000954
Income before extraordinary items$4,763,0001,208
Extraordinary gains, net$09
Net income$4,763,0001,208
Minority interest net income$071
Net income of bank and minority interests.$4,763,0001,208
Net charge-offs$4,0003,505
Cash dividends$2,136,000996
Sale, conversion, retirement of capital stock, net$0677
Net operating income$4,760,8401,187
2017-06-30 (YTD Data)Rank
Total interest income$11,924,0001,158
Total interest expense$865,0001,667
Net interest income$11,059,0001,110
Provision for loan and lease losses$03,871
Total noninterest income$3,209,000944
Gross Fiduciary activities income$763,000386
Service charges on deposit accounts$841,000738
Trading account gains and fees$0139
Additional Noninterest Income$1,605,0001,136
Total noninterest expense$10,155,0001,052
Salaries and employee benefits$5,653,0001,063
Premises and equipment expense$1,264,000961
Additional noninterest expense$3,238,000997
Pre-tax net operating income$4,113,0001,165
Securities gains (losses)$1,0001,756
Applicable income taxes$1,146,0001,009
Income before extraordinary items$2,968,0001,252
Extraordinary gains, net$011
Net income$2,968,0001,252
Minority interest net income$071
Net income of bank and minority interests.$2,968,0001,252
Net charge-offs$-55,0005,312
Cash dividends$1,230,0001,125
Sale, conversion, retirement of capital stock, net$0659
Net operating income$2,967,2801,227
2017-03-31 (YTD Data)Rank
Total interest income$5,813,0001,171
Total interest expense$416,0001,705
Net interest income$5,397,0001,127
Provision for loan and lease losses$03,537
Total noninterest income$1,636,000924
Gross Fiduciary activities income$367,000393
Service charges on deposit accounts$418,000744
Trading account gains and fees$0142
Additional Noninterest Income$851,0001,077
Total noninterest expense$5,015,0001,070
Salaries and employee benefits$2,743,0001,102
Premises and equipment expense$639,000959
Additional noninterest expense$1,633,000982
Pre-tax net operating income$2,018,0001,165
Securities gains (losses)$1,0001,030
Applicable income taxes$562,000996
Income before extraordinary items$1,457,0001,250
Extraordinary gains, net$08
Net income$1,457,0001,249
Minority interest net income$055
Net income of bank and minority interests.$1,457,0001,250
Net charge-offs$57,0001,242
Cash dividends$643,0001,013
Sale, conversion, retirement of capital stock, net$0632
Net operating income$1,456,2801,236
2016-12-31 (YTD Data)Rank
Total interest income$22,023,0001,193
Total interest expense$1,514,0001,791
Net interest income$20,509,0001,141
Provision for loan and lease losses$100,0003,103
Total noninterest income$6,734,000937
Gross Fiduciary activities income$1,549,000382
Service charges on deposit accounts$1,713,000748
Trading account gains and fees$0170
Additional Noninterest Income$3,472,0001,091
Total noninterest expense$18,759,0001,111
Salaries and employee benefits$10,271,0001,124
Premises and equipment expense$2,322,0001,019
Additional noninterest expense$6,166,0001,068
Pre-tax net operating income$8,384,0001,062
Securities gains (losses)$102,0001,331
Applicable income taxes$2,389,000923
Income before extraordinary items$6,097,0001,178
Extraordinary gains, net$05
Net income$6,097,0001,177
Minority interest net income$082
Net income of bank and minority interests.$6,097,0001,177
Net charge-offs$532,0001,038
Cash dividends$3,041,0001,006
Sale, conversion, retirement of capital stock, net$0759
Net operating income$6,023,5601,165
2016-09-30 (YTD Data)Rank
Total interest income$16,358,0001,209
Total interest expense$1,100,0001,833
Net interest income$15,258,0001,153
Provision for loan and lease losses$100,0002,703
Total noninterest income$5,002,000931
Gross Fiduciary activities income$1,202,000372
Service charges on deposit accounts$1,266,000757
Trading account gains and fees$0169
Additional Noninterest Income$2,534,0001,118
Total noninterest expense$13,888,0001,124
Salaries and employee benefits$7,619,0001,132
Premises and equipment expense$1,769,0001,002
Additional noninterest expense$4,500,0001,100
Pre-tax net operating income$6,272,0001,074
Securities gains (losses)$100,0001,255
Applicable income taxes$1,803,000940
Income before extraordinary items$4,569,0001,194
Extraordinary gains, net$05
Net income$4,569,0001,194
Minority interest net income$071
Net income of bank and minority interests.$4,569,0001,194
Net charge-offs$484,000814
Cash dividends$2,400,000895
Sale, conversion, retirement of capital stock, net$0719
Net operating income$4,497,0001,176
2016-06-30 (YTD Data)Rank
Total interest income$10,898,0001,208
Total interest expense$715,0001,876
Net interest income$10,183,0001,152
Provision for loan and lease losses$100,0002,280
Total noninterest income$3,299,000930
Gross Fiduciary activities income$848,000366
Service charges on deposit accounts$814,000768
Trading account gains and fees$0157
Additional Noninterest Income$1,637,0001,115
Total noninterest expense$9,228,0001,125
Salaries and employee benefits$5,124,0001,130
Premises and equipment expense$1,165,0001,022
Additional noninterest expense$2,939,0001,118
Pre-tax net operating income$4,154,0001,077
Securities gains (losses)$42,0001,555
Applicable income taxes$1,187,000950
Income before extraordinary items$3,009,0001,200
Extraordinary gains, net$016
Net income$3,009,0001,200
Minority interest net income$071
Net income of bank and minority interests.$3,009,0001,200
Net charge-offs$457,000643
Cash dividends$1,768,000854
Sale, conversion, retirement of capital stock, net$0705
Net operating income$2,978,7601,169
2016-03-31 (YTD Data)Rank
Total interest income$5,494,0001,200
Total interest expense$354,0001,897
Net interest income$5,140,0001,145
Provision for loan and lease losses$100,0001,495
Total noninterest income$1,661,000897
Gross Fiduciary activities income$513,000324
Service charges on deposit accounts$411,000764
Trading account gains and fees$0142
Additional Noninterest Income$737,0001,163
Total noninterest expense$4,537,0001,148
Salaries and employee benefits$2,552,0001,138
Premises and equipment expense$587,0001,027
Additional noninterest expense$1,398,0001,152
Pre-tax net operating income$2,164,0001,014
Securities gains (losses)$42,000907
Applicable income taxes$638,000875
Income before extraordinary items$1,568,0001,144
Extraordinary gains, net$012
Net income$1,568,0001,145
Minority interest net income$062
Net income of bank and minority interests.$1,568,0001,145
Net charge-offs$191,000682
Cash dividends$585,0001,099
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,538,1801,131
2015-12-31 (YTD Data)Rank
Total interest income$21,151,0001,209
Total interest expense$1,372,0001,912
Net interest income$19,779,0001,154
Provision for loan and lease losses$250,0002,084
Total noninterest income$7,030,000880
Gross Fiduciary activities income$1,258,000423
Service charges on deposit accounts$1,901,000690
Trading account gains and fees$0159
Additional Noninterest Income$3,871,000984
Total noninterest expense$18,432,0001,104
Salaries and employee benefits$10,715,0001,059
Premises and equipment expense$1,953,0001,206
Additional noninterest expense$5,764,0001,124
Pre-tax net operating income$8,127,0001,058
Securities gains (losses)$26,0002,080
Applicable income taxes$2,086,000980
Income before extraordinary items$6,067,0001,156
Extraordinary gains, net$023
Net income$6,067,0001,156
Minority interest net income$081
Net income of bank and minority interests.$6,067,0001,156
Net charge-offs$154,0002,232
Cash dividends$2,005,0001,328
Sale, conversion, retirement of capital stock, net$0804
Net operating income$6,047,7601,132
2015-09-30 (YTD Data)Rank
Total interest income$15,724,0001,220
Total interest expense$1,014,0001,947
Net interest income$14,710,0001,166
Provision for loan and lease losses$200,0001,947
Total noninterest income$5,498,000875
Gross Fiduciary activities income$974,000418
Service charges on deposit accounts$1,442,000682
Trading account gains and fees$0153
Additional Noninterest Income$3,082,000944
Total noninterest expense$13,560,0001,128
Salaries and employee benefits$7,935,0001,074
Premises and equipment expense$1,469,0001,216
Additional noninterest expense$4,156,0001,164
Pre-tax net operating income$6,448,0001,032
Securities gains (losses)$24,0001,919
Applicable income taxes$1,664,000955
Income before extraordinary items$4,808,0001,115
Extraordinary gains, net$021
Net income$4,808,0001,113
Minority interest net income$078
Net income of bank and minority interests.$4,808,0001,115
Net charge-offs$171,0001,687
Cash dividends$1,520,0001,192
Sale, conversion, retirement of capital stock, net$0773
Net operating income$4,790,2401,084
2015-06-30 (YTD Data)Rank
Total interest income$10,367,0001,232
Total interest expense$653,0002,005
Net interest income$9,714,0001,178
Provision for loan and lease losses$150,0001,756
Total noninterest income$3,790,000857
Gross Fiduciary activities income$665,000416
Service charges on deposit accounts$930,000692
Trading account gains and fees$0157
Additional Noninterest Income$2,195,000903
Total noninterest expense$9,122,0001,120
Salaries and employee benefits$5,354,0001,066
Premises and equipment expense$999,0001,202
Additional noninterest expense$2,769,0001,159
Pre-tax net operating income$4,232,0001,039
Securities gains (losses)$24,0001,625
Applicable income taxes$1,032,0001,005
Income before extraordinary items$3,224,0001,094
Extraordinary gains, net$022
Net income$3,224,0001,094
Minority interest net income$075
Net income of bank and minority interests.$3,224,0001,095
Net charge-offs$132,0001,477
Cash dividends$1,036,0001,186
Sale, conversion, retirement of capital stock, net$0751
Net operating income$3,205,7601,069
2015-03-31 (YTD Data)Rank
Total interest income$5,125,0001,242
Total interest expense$316,0002,074
Net interest income$4,809,0001,180
Provision for loan and lease losses$75,0001,675
Total noninterest income$1,440,0001,003
Gross Fiduciary activities income$323,000425
Service charges on deposit accounts$446,000713
Trading account gains and fees$0152
Additional Noninterest Income$671,0001,225
Total noninterest expense$4,434,0001,153
Salaries and employee benefits$2,542,0001,118
Premises and equipment expense$491,0001,237
Additional noninterest expense$1,401,0001,138
Pre-tax net operating income$1,740,0001,173
Securities gains (losses)$24,0001,158
Applicable income taxes$491,0001,032
Income before extraordinary items$1,273,0001,297
Extraordinary gains, net$013
Net income$1,273,0001,298
Minority interest net income$064
Net income of bank and minority interests.$1,273,0001,299
Net charge-offs$108,0001,059
Cash dividends$576,0001,009
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,255,7201,278
2014-12-31 (YTD Data)Rank
Total interest income$20,311,0001,244
Total interest expense$1,345,0002,073
Net interest income$18,966,0001,191
Provision for loan and lease losses$400,0001,663
Total noninterest income$6,278,000934
Gross Fiduciary activities income$1,181,000436
Service charges on deposit accounts$2,096,000650
Trading account gains and fees$0180
Additional Noninterest Income$3,001,0001,097
Total noninterest expense$17,919,0001,122
Salaries and employee benefits$10,099,0001,090
Premises and equipment expense$2,074,0001,153
Additional noninterest expense$5,746,0001,138
Pre-tax net operating income$6,925,0001,168
Securities gains (losses)$90,0001,335
Applicable income taxes$1,951,0001,002
Income before extraordinary items$5,064,0001,291
Extraordinary gains, net$017
Net income$5,064,0001,290
Minority interest net income$084
Net income of bank and minority interests.$5,064,0001,290
Net charge-offs$461,0001,556
Cash dividends$1,686,0001,449
Sale, conversion, retirement of capital stock, net$0862
Net operating income$4,999,2001,280
2014-09-30 (YTD Data)Rank
Total interest income$15,151,0001,256
Total interest expense$1,051,0002,027
Net interest income$14,100,0001,201
Provision for loan and lease losses$325,0001,549
Total noninterest income$4,628,000937
Gross Fiduciary activities income$866,000440
Service charges on deposit accounts$1,598,000631
Trading account gains and fees$0174
Additional Noninterest Income$2,164,0001,141
Total noninterest expense$13,287,0001,144
Salaries and employee benefits$7,305,0001,121
Premises and equipment expense$1,577,0001,144
Additional noninterest expense$4,405,0001,121
Pre-tax net operating income$5,116,0001,194
Securities gains (losses)$81,0001,144
Applicable income taxes$1,442,0001,031
Income before extraordinary items$3,755,0001,290
Extraordinary gains, net$015
Net income$3,755,0001,290
Minority interest net income$081
Net income of bank and minority interests.$3,755,0001,290
Net charge-offs$309,0001,582
Cash dividends$1,249,0001,323
Sale, conversion, retirement of capital stock, net$0819
Net operating income$3,696,6801,294
2014-06-30 (YTD Data)Rank
Total interest income$10,049,0001,256
Total interest expense$728,0001,983
Net interest income$9,321,0001,201
Provision for loan and lease losses$225,0001,542
Total noninterest income$2,950,000952
Gross Fiduciary activities income$569,000443
Service charges on deposit accounts$1,040,000641
Trading account gains and fees$0172
Additional Noninterest Income$1,341,0001,182
Total noninterest expense$8,759,0001,155
Salaries and employee benefits$4,711,0001,157
Premises and equipment expense$1,086,0001,120
Additional noninterest expense$2,962,0001,100
Pre-tax net operating income$3,287,0001,205
Securities gains (losses)$37,0001,347
Applicable income taxes$917,0001,036
Income before extraordinary items$2,407,0001,305
Extraordinary gains, net$020
Net income$2,407,0001,305
Minority interest net income$080
Net income of bank and minority interests.$2,407,0001,306
Net charge-offs$227,0001,487
Cash dividends$813,0001,351
Sale, conversion, retirement of capital stock, net$0794
Net operating income$2,380,3601,289
2014-03-31 (YTD Data)Rank
Total interest income$4,996,0001,272
Total interest expense$396,0001,884
Net interest income$4,600,0001,213
Provision for loan and lease losses$03,817
Total noninterest income$1,517,000908
Gross Fiduciary activities income$290,000444
Service charges on deposit accounts$486,000670
Trading account gains and fees$0147
Additional Noninterest Income$741,0001,071
Total noninterest expense$4,483,0001,136
Salaries and employee benefits$2,331,0001,178
Premises and equipment expense$567,0001,101
Additional noninterest expense$1,585,0001,018
Pre-tax net operating income$1,634,0001,171
Securities gains (losses)$33,000787
Applicable income taxes$462,000986
Income before extraordinary items$1,205,0001,252
Extraordinary gains, net$016
Net income$1,205,0001,253
Minority interest net income$066
Net income of bank and minority interests.$1,205,0001,253
Net charge-offs$140,0001,165
Cash dividends$378,0001,274
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,181,2401,252
2013-12-31 (YTD Data)Rank
Total interest income$19,915,0001,274
Total interest expense$1,902,0001,786
Net interest income$18,013,0001,224
Provision for loan and lease losses$750,0001,404
Total noninterest income$7,048,000882
Gross Fiduciary activities income$1,128,000436
Service charges on deposit accounts$2,015,000686
Trading account gains and fees$0184
Additional Noninterest Income$3,905,000955
Total noninterest expense$17,877,0001,143
Salaries and employee benefits$10,248,0001,059
Premises and equipment expense$1,849,0001,279
Additional noninterest expense$5,780,0001,170
Pre-tax net operating income$6,434,0001,150
Securities gains (losses)$140,0001,110
Applicable income taxes$1,845,000958
Income before extraordinary items$4,729,0001,293
Extraordinary gains, net$029
Net income$4,729,0001,294
Minority interest net income$090
Net income of bank and minority interests.$4,729,0001,296
Net charge-offs$967,0001,301
Cash dividends$1,461,0001,518
Sale, conversion, retirement of capital stock, net$0924
Net operating income$4,628,2001,291
2013-09-30 (YTD Data)Rank
Total interest income$14,870,0001,288
Total interest expense$1,457,0001,802
Net interest income$13,413,0001,226
Provision for loan and lease losses$650,0001,254
Total noninterest income$5,353,000885
Gross Fiduciary activities income$849,000432
Service charges on deposit accounts$1,469,000716
Trading account gains and fees$0180
Additional Noninterest Income$3,035,000963
Total noninterest expense$13,320,0001,156
Salaries and employee benefits$7,539,0001,084
Premises and equipment expense$1,408,0001,264
Additional noninterest expense$4,373,0001,153
Pre-tax net operating income$4,796,0001,183
Securities gains (losses)$12,0002,447
Applicable income taxes$1,303,0001,042
Income before extraordinary items$3,505,0001,305
Extraordinary gains, net$025
Net income$3,505,0001,307
Minority interest net income$084
Net income of bank and minority interests.$3,505,0001,307
Net charge-offs$708,0001,287
Cash dividends$1,075,0001,367
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,496,2401,276
2013-06-30 (YTD Data)Rank
Total interest income$9,820,0001,287
Total interest expense$997,0001,786
Net interest income$8,823,0001,235
Provision for loan and lease losses$400,0001,362
Total noninterest income$3,575,000890
Gross Fiduciary activities income$546,000439
Service charges on deposit accounts$875,000788
Trading account gains and fees$0157
Additional Noninterest Income$2,154,000934
Total noninterest expense$8,926,0001,144
Salaries and employee benefits$4,862,0001,119
Premises and equipment expense$975,0001,224
Additional noninterest expense$3,089,0001,091
Pre-tax net operating income$3,072,0001,207
Securities gains (losses)$02,791
Applicable income taxes$824,0001,075
Income before extraordinary items$2,248,0001,350
Extraordinary gains, net$022
Net income$2,248,0001,352
Minority interest net income$082
Net income of bank and minority interests.$2,248,0001,352
Net charge-offs$261,0001,825
Cash dividends$724,0001,385
Sale, conversion, retirement of capital stock, net$0838
Net operating income$2,248,0001,292
2013-03-31 (YTD Data)Rank
Total interest income$4,869,0001,309
Total interest expense$523,0001,756
Net interest income$4,346,0001,249
Provision for loan and lease losses$225,0001,230
Total noninterest income$1,823,000886
Gross Fiduciary activities income$280,000437
Service charges on deposit accounts$397,000844
Trading account gains and fees$0148
Additional Noninterest Income$1,146,000896
Total noninterest expense$4,484,0001,144
Salaries and employee benefits$2,503,0001,093
Premises and equipment expense$487,0001,242
Additional noninterest expense$1,494,0001,112
Pre-tax net operating income$1,460,0001,247
Securities gains (losses)$01,966
Applicable income taxes$354,0001,179
Income before extraordinary items$1,106,0001,343
Extraordinary gains, net$010
Net income$1,106,0001,344
Minority interest net income$076
Net income of bank and minority interests.$1,106,0001,345
Net charge-offs$448,000823
Cash dividends$362,0001,185
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,106,0001,293
2012-12-31 (YTD Data)Rank
Total interest income$19,983,0001,339
Total interest expense$2,484,0001,757
Net interest income$17,499,0001,258
Provision for loan and lease losses$1,350,0001,431
Total noninterest income$7,038,000886
Gross Fiduciary activities income$1,126,000423
Service charges on deposit accounts$1,695,000833
Trading account gains and fees$0166
Additional Noninterest Income$4,217,000925
Total noninterest expense$16,980,0001,191
Salaries and employee benefits$9,614,0001,095
Premises and equipment expense$1,765,0001,346
Additional noninterest expense$5,601,0001,220
Pre-tax net operating income$6,207,0001,150
Securities gains (losses)$3,0003,606
Applicable income taxes$1,576,0001,054
Income before extraordinary items$4,634,0001,272
Extraordinary gains, net$029
Net income$4,634,0001,273
Minority interest net income$093
Net income of bank and minority interests.$4,634,0001,273
Net charge-offs$1,307,0001,529
Cash dividends$2,254,0001,108
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$4,631,7501,213
2012-09-30 (YTD Data)Rank
Total interest income$14,955,0001,364
Total interest expense$1,935,0001,768
Net interest income$13,020,0001,280
Provision for loan and lease losses$1,050,0001,390
Total noninterest income$5,057,000908
Gross Fiduciary activities income$837,000422
Service charges on deposit accounts$1,256,000843
Trading account gains and fees$0157
Additional Noninterest Income$2,964,000945
Total noninterest expense$12,566,0001,207
Salaries and employee benefits$7,114,0001,099
Premises and equipment expense$1,364,0001,320
Additional noninterest expense$4,088,0001,249
Pre-tax net operating income$4,461,0001,201
Securities gains (losses)$3,0003,350
Applicable income taxes$1,078,0001,171
Income before extraordinary items$3,386,0001,330
Extraordinary gains, net$020
Net income$3,386,0001,331
Minority interest net income$086
Net income of bank and minority interests.$3,386,0001,331
Net charge-offs$1,100,0001,363
Cash dividends$1,344,0001,078
Sale, conversion, retirement of capital stock, net$0952
Net operating income$3,383,7201,261
2012-06-30 (YTD Data)Rank
Total interest income$9,902,0001,381
Total interest expense$1,344,0001,760
Net interest income$8,558,0001,297
Provision for loan and lease losses$700,0001,420
Total noninterest income$3,282,000912
Gross Fiduciary activities income$561,000417
Service charges on deposit accounts$807,000872
Trading account gains and fees$0153
Additional Noninterest Income$1,914,000949
Total noninterest expense$8,284,0001,211
Salaries and employee benefits$4,643,0001,127
Premises and equipment expense$942,0001,259
Additional noninterest expense$2,699,0001,258
Pre-tax net operating income$2,856,0001,251
Securities gains (losses)$3,0002,959
Applicable income taxes$690,0001,188
Income before extraordinary items$2,169,0001,366
Extraordinary gains, net$019
Net income$2,169,0001,366
Minority interest net income$084
Net income of bank and minority interests.$2,169,0001,366
Net charge-offs$945,0001,183
Cash dividends$880,0001,081
Sale, conversion, retirement of capital stock, net$0928
Net operating income$2,166,7201,290
2012-03-31 (YTD Data)Rank
Total interest income$4,932,0001,398
Total interest expense$708,0001,744
Net interest income$4,224,0001,309
Provision for loan and lease losses$225,0001,839
Total noninterest income$1,590,000938
Gross Fiduciary activities income$298,000405
Service charges on deposit accounts$394,000878
Trading account gains and fees$0148
Additional Noninterest Income$898,000987
Total noninterest expense$4,185,0001,194
Salaries and employee benefits$2,400,0001,086
Premises and equipment expense$499,0001,203
Additional noninterest expense$1,286,0001,308
Pre-tax net operating income$1,404,0001,249
Securities gains (losses)$3,0001,983
Applicable income taxes$334,0001,213
Income before extraordinary items$1,073,0001,352
Extraordinary gains, net$019
Net income$1,073,0001,353
Minority interest net income$078
Net income of bank and minority interests.$1,073,0001,353
Net charge-offs$112,0002,348
Cash dividends$416,000998
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,070,7201,281
2011-12-31 (YTD Data)Rank
Total interest income$19,662,0001,452
Total interest expense$3,364,0001,759
Net interest income$16,298,0001,366
Provision for loan and lease losses$1,050,0002,344
Total noninterest income$6,305,000867
Gross Fiduciary activities income$1,120,000376
Service charges on deposit accounts$2,032,000722
Trading account gains and fees$0146
Additional Noninterest Income$3,153,0001,001
Total noninterest expense$16,781,0001,174
Salaries and employee benefits$9,867,000997
Premises and equipment expense$2,054,0001,216
Additional noninterest expense$4,860,0001,416
Pre-tax net operating income$4,772,0001,223
Securities gains (losses)$29,0002,921
Applicable income taxes$1,119,0001,250
Income before extraordinary items$3,682,0001,343
Extraordinary gains, net$029
Net income$3,682,0001,343
Minority interest net income$096
Net income of bank and minority interests.$3,682,0001,343
Net charge-offs$1,332,0002,032
Cash dividends$1,437,0001,284
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$3,659,6701,283
2011-09-30 (YTD Data)Rank
Total interest income$14,619,0001,479
Total interest expense$2,585,0001,779
Net interest income$12,034,0001,393
Provision for loan and lease losses$875,0002,144
Total noninterest income$4,669,000888
Gross Fiduciary activities income$852,000368
Service charges on deposit accounts$1,568,000706
Trading account gains and fees$0145
Additional Noninterest Income$2,249,0001,036
Total noninterest expense$12,473,0001,183
Salaries and employee benefits$7,230,0001,015
Premises and equipment expense$1,580,0001,197
Additional noninterest expense$3,663,0001,411
Pre-tax net operating income$3,355,0001,346
Securities gains (losses)$4,0003,259
Applicable income taxes$748,0001,352
Income before extraordinary items$2,611,0001,459
Extraordinary gains, net$021
Net income$2,611,0001,459
Minority interest net income$087
Net income of bank and minority interests.$2,611,0001,459
Net charge-offs$1,171,0001,747
Cash dividends$962,0001,198
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,607,8801,386
2011-06-30 (YTD Data)Rank
Total interest income$9,682,0001,500
Total interest expense$1,760,0001,810
Net interest income$7,922,0001,415
Provision for loan and lease losses$500,0002,302
Total noninterest income$3,044,000915
Gross Fiduciary activities income$568,000375
Service charges on deposit accounts$1,079,000679
Trading account gains and fees$0153
Additional Noninterest Income$1,397,0001,069
Total noninterest expense$8,346,0001,192
Salaries and employee benefits$4,873,0001,023
Premises and equipment expense$1,168,0001,089
Additional noninterest expense$2,305,0001,501
Pre-tax net operating income$2,120,0001,380
Securities gains (losses)$2,0002,702
Applicable income taxes$465,0001,391
Income before extraordinary items$1,657,0001,480
Extraordinary gains, net$015
Net income$1,657,0001,480
Minority interest net income$089
Net income of bank and minority interests.$1,657,0001,480
Net charge-offs$792,0001,677
Cash dividends$644,0001,181
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,655,4401,420
2011-03-31 (YTD Data)Rank
Total interest income$4,861,0001,512
Total interest expense$906,0001,822
Net interest income$3,955,0001,406
Provision for loan and lease losses$125,0003,068
Total noninterest income$1,557,000882
Gross Fiduciary activities income$275,000382
Service charges on deposit accounts$511,000699
Trading account gains and fees$0158
Additional Noninterest Income$771,0001,004
Total noninterest expense$4,349,0001,158
Salaries and employee benefits$2,534,000984
Premises and equipment expense$601,0001,080
Additional noninterest expense$1,214,0001,443
Pre-tax net operating income$1,038,0001,390
Securities gains (losses)$2,0001,590
Applicable income taxes$224,0001,395
Income before extraordinary items$816,0001,462
Extraordinary gains, net$09
Net income$816,0001,462
Minority interest net income$086
Net income of bank and minority interests.$816,0001,462
Net charge-offs$243,0001,946
Cash dividends$322,0001,065
Sale, conversion, retirement of capital stock, net$0925
Net operating income$814,4401,419
2010-12-31 (YTD Data)Rank
Total interest income$20,690,0001,488
Total interest expense$4,044,0001,979
Net interest income$16,646,0001,343
Provision for loan and lease losses$1,375,0002,582
Total noninterest income$6,501,000876
Gross Fiduciary activities income$997,000398
Service charges on deposit accounts$2,411,000615
Trading account gains and fees$0175
Additional Noninterest Income$3,093,0001,038
Total noninterest expense$17,729,0001,125
Salaries and employee benefits$10,047,000972
Premises and equipment expense$2,350,0001,108
Additional noninterest expense$5,332,0001,358
Pre-tax net operating income$4,043,0001,252
Securities gains (losses)$207,0001,555
Applicable income taxes$869,0001,358
Income before extraordinary items$3,381,0001,257
Extraordinary gains, net$029
Net income$3,381,0001,259
Minority interest net income$0111
Net income of bank and minority interests.$3,381,0001,260
Net charge-offs$1,756,0002,009
Cash dividends$1,358,0001,174
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$3,215,4001,277
2010-09-30 (YTD Data)Rank
Total interest income$15,560,0001,515
Total interest expense$3,061,0002,040
Net interest income$12,499,0001,357
Provision for loan and lease losses$775,0002,892
Total noninterest income$4,558,000901
Gross Fiduciary activities income$741,000400
Service charges on deposit accounts$1,833,000619
Trading account gains and fees$0165
Additional Noninterest Income$1,984,0001,105
Total noninterest expense$13,242,0001,113
Salaries and employee benefits$7,442,000977
Premises and equipment expense$1,827,0001,073
Additional noninterest expense$3,973,0001,345
Pre-tax net operating income$3,040,0001,309
Securities gains (losses)$207,0001,352
Applicable income taxes$662,0001,390
Income before extraordinary items$2,585,0001,287
Extraordinary gains, net$023
Net income$2,585,0001,291
Minority interest net income$0110
Net income of bank and minority interests.$2,585,0001,291
Net charge-offs$1,122,0002,060
Cash dividends$1,036,0001,014
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$2,419,4001,324
2010-06-30 (YTD Data)Rank
Total interest income$10,318,0001,544
Total interest expense$2,068,0002,089
Net interest income$8,250,0001,375
Provision for loan and lease losses$350,0003,380
Total noninterest income$2,749,000958
Gross Fiduciary activities income$497,000400
Service charges on deposit accounts$1,182,000647
Trading account gains and fees$0152
Additional Noninterest Income$1,070,0001,232
Total noninterest expense$8,842,0001,106
Salaries and employee benefits$4,923,000982
Premises and equipment expense$1,249,0001,067
Additional noninterest expense$2,670,0001,340
Pre-tax net operating income$1,807,0001,443
Securities gains (losses)$207,000938
Applicable income taxes$364,0001,544
Income before extraordinary items$1,650,0001,340
Extraordinary gains, net$019
Net income$1,650,0001,341
Minority interest net income$0105
Net income of bank and minority interests.$1,650,0001,341
Net charge-offs$699,0002,093
Cash dividends$669,0001,034
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,480,2601,421
2010-03-31 (YTD Data)Rank
Total interest income$5,211,0001,562
Total interest expense$1,067,0002,134
Net interest income$4,144,0001,382
Provision for loan and lease losses$200,0002,974
Total noninterest income$1,417,000919
Gross Fiduciary activities income$253,000403
Service charges on deposit accounts$570,000676
Trading account gains and fees$0175
Additional Noninterest Income$594,0001,135
Total noninterest expense$4,490,0001,116
Salaries and employee benefits$2,492,000980
Premises and equipment expense$626,0001,095
Additional noninterest expense$1,372,0001,293
Pre-tax net operating income$871,0001,501
Securities gains (losses)$02,284
Applicable income taxes$105,0002,073
Income before extraordinary items$766,0001,444
Extraordinary gains, net$016
Net income$766,0001,446
Minority interest net income$091
Net income of bank and minority interests.$766,0001,446
Net charge-offs$331,0001,935
Cash dividends$342,000984
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$766,0001,390
2009-12-31 (YTD Data)Rank
Total interest income$21,930,0001,564
Total interest expense$4,927,0002,294
Net interest income$17,003,0001,311
Provision for loan and lease losses$2,725,0002,090
Total noninterest income$5,892,000962
Gross Fiduciary activities income$987,000388
Service charges on deposit accounts$2,746,000611
Trading account gains and fees$0211
Additional Noninterest Income$2,159,0001,299
Total noninterest expense$18,386,0001,131
Salaries and employee benefits$9,790,0001,006
Premises and equipment expense$2,367,0001,156
Additional noninterest expense$6,229,0001,232
Pre-tax net operating income$1,784,0002,099
Securities gains (losses)$682,000696
Applicable income taxes$232,0002,256
Income before extraordinary items$2,234,0001,498
Extraordinary gains, net$034
Net income$2,234,0001,495
Minority interest net income$0115
Net income of bank and minority interests.$2,234,0001,497
Net charge-offs$3,754,0001,399
Cash dividends$1,113,0001,510
Sale, conversion, retirement of capital stock, net$-3,000,0008,002
Net operating income$1,613,3801,957
2009-09-30 (YTD Data)Rank
Total interest income$16,493,0001,581
Total interest expense$3,730,0002,362
Net interest income$12,763,0001,309
Provision for loan and lease losses$2,300,0001,748
Total noninterest income$4,500,000957
Gross Fiduciary activities income$716,000396
Service charges on deposit accounts$2,091,000604
Trading account gains and fees$0212
Additional Noninterest Income$1,693,0001,285
Total noninterest expense$13,786,0001,124
Salaries and employee benefits$7,342,0001,014
Premises and equipment expense$1,794,0001,154
Additional noninterest expense$4,650,0001,209
Pre-tax net operating income$1,177,0002,470
Securities gains (losses)$407,000810
Applicable income taxes$90,0002,952
Income before extraordinary items$1,494,0001,784
Extraordinary gains, net$027
Net income$1,494,0001,784
Minority interest net income$0118
Net income of bank and minority interests.$1,494,0001,784
Net charge-offs$2,684,0001,262
Cash dividends$1,113,0001,140
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,111,4202,254
2009-06-30 (YTD Data)Rank
Total interest income$11,050,0001,604
Total interest expense$2,560,0002,398
Net interest income$8,490,0001,308
Provision for loan and lease losses$1,950,0001,413
Total noninterest income$2,917,000987
Gross Fiduciary activities income$480,000395
Service charges on deposit accounts$1,305,000635
Trading account gains and fees$0193
Additional Noninterest Income$1,132,0001,313
Total noninterest expense$9,298,0001,128
Salaries and employee benefits$4,889,0001,038
Premises and equipment expense$1,227,0001,145
Additional noninterest expense$3,182,0001,196
Pre-tax net operating income$159,0004,889
Securities gains (losses)$407,000599
Applicable income taxes$-106,0007,161
Income before extraordinary items$672,0002,577
Extraordinary gains, net$021
Net income$672,0002,574
Minority interest net income$0112
Net income of bank and minority interests.$672,0002,576
Net charge-offs$2,430,000996
Cash dividends$622,0001,385
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$265,0004,045
2009-03-31 (YTD Data)Rank
Total interest income$4,067,0002,185
Total interest expense$930,0003,254
Net interest income$3,137,0001,767
Provision for loan and lease losses$975,0001,209
Total noninterest income$985,0001,298
Gross Fiduciary activities income$165,000485
Service charges on deposit accounts$360,0001,154
Trading account gains and fees$0171
Additional Noninterest Income$460,0001,465
Total noninterest expense$3,353,0001,494
Salaries and employee benefits$1,938,0001,334
Premises and equipment expense$451,0001,576
Additional noninterest expense$964,0001,684
Pre-tax net operating income$-206,0006,901
Securities gains (losses)$02,434
Applicable income taxes$-161,0007,665
Income before extraordinary items$-45,0006,633
Extraordinary gains, net$015
Net income$-45,0006,634
Minority interest net income$0102
Net income of bank and minority interests.$-45,0006,634
Net charge-offs$368,0001,617
Cash dividends$116,0002,138
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-45,0006,519
2008-12-31 (YTD Data)Rank
Total interest income$19,073,0001,996
Total interest expense$5,322,0002,812
Net interest income$13,751,0001,623
Provision for loan and lease losses$2,755,0001,479
Total noninterest income$4,096,0001,255
Gross Fiduciary activities income$763,000470
Service charges on deposit accounts$1,735,0001,029
Trading account gains and fees$0154
Additional Noninterest Income$1,598,0001,528
Total noninterest expense$13,025,0001,501
Salaries and employee benefits$7,663,0001,324
Premises and equipment expense$1,825,0001,520
Additional noninterest expense$3,537,0001,731
Pre-tax net operating income$2,067,0002,384
Securities gains (losses)$11,0002,474
Applicable income taxes$134,0003,163
Income before extraordinary items$1,944,0002,042
Extraordinary gains, net$039
Net income$1,944,0002,044
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,739,0001,065
Cash dividends$3,927,000715
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$1,933,6602,169
2008-09-30 (YTD Data)Rank
Total interest income$14,741,0001,983
Total interest expense$4,220,0002,771
Net interest income$10,521,0001,608
Provision for loan and lease losses$2,055,0001,164
Total noninterest income$3,156,0001,258
Gross Fiduciary activities income$596,000468
Service charges on deposit accounts$1,314,0001,028
Trading account gains and fees$0148
Additional Noninterest Income$1,246,0001,554
Total noninterest expense$9,657,0001,514
Salaries and employee benefits$5,702,0001,365
Premises and equipment expense$1,352,0001,543
Additional noninterest expense$2,603,0001,710
Pre-tax net operating income$1,965,0002,336
Securities gains (losses)$11,0002,331
Applicable income taxes$211,0002,847
Income before extraordinary items$1,765,0001,999
Extraordinary gains, net$031
Net income$1,765,0001,998
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$719,0001,587
Cash dividends$2,969,000728
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,755,2102,109
2008-06-30 (YTD Data)Rank
Total interest income$10,059,0001,975
Total interest expense$3,010,0002,701
Net interest income$7,049,0001,596
Provision for loan and lease losses$675,0001,571
Total noninterest income$2,164,0001,247
Gross Fiduciary activities income$391,000480
Service charges on deposit accounts$852,0001,033
Trading account gains and fees$0149
Additional Noninterest Income$921,0001,487
Total noninterest expense$6,402,0001,514
Salaries and employee benefits$3,789,0001,378
Premises and equipment expense$960,0001,454
Additional noninterest expense$1,653,0001,768
Pre-tax net operating income$2,136,0001,596
Securities gains (losses)$11,0002,404
Applicable income taxes$389,0001,902
Income before extraordinary items$1,758,0001,559
Extraordinary gains, net$021
Net income$1,758,0001,559
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$535,0001,250
Cash dividends$2,232,000725
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,748,9801,530
2008-03-31 (YTD Data)Rank
Total interest income$5,292,0001,923
Total interest expense$1,717,0002,549
Net interest income$3,575,0001,559
Provision for loan and lease losses$300,0001,372
Total noninterest income$1,175,0001,164
Gross Fiduciary activities income$195,000487
Service charges on deposit accounts$410,0001,056
Trading account gains and fees$0158
Additional Noninterest Income$570,0001,279
Total noninterest expense$3,205,0001,498
Salaries and employee benefits$1,922,0001,358
Premises and equipment expense$474,0001,467
Additional noninterest expense$809,0001,759
Pre-tax net operating income$1,245,0001,484
Securities gains (losses)$14,0001,798
Applicable income taxes$198,0001,986
Income before extraordinary items$1,061,0001,415
Extraordinary gains, net$015
Net income$1,061,0001,418
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0001,458
Cash dividends$449,0001,488
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,049,2401,383
2007-12-31 (YTD Data)Rank
Total interest income$22,790,0001,854
Total interest expense$7,847,0002,355
Net interest income$14,943,0001,526
Provision for loan and lease losses$745,0001,768
Total noninterest income$4,089,0001,279
Gross Fiduciary activities income$766,000488
Service charges on deposit accounts$1,832,000965
Trading account gains and fees$0178
Additional Noninterest Income$1,491,0001,680
Total noninterest expense$12,490,0001,479
Salaries and employee benefits$7,356,0001,381
Premises and equipment expense$1,880,0001,418
Additional noninterest expense$3,254,0001,712
Pre-tax net operating income$5,797,0001,434
Securities gains (losses)$13,0001,241
Applicable income taxes$1,552,0001,390
Income before extraordinary items$4,258,0001,498
Extraordinary gains, net$039
Net income$4,258,0001,499
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$353,0002,085
Cash dividends$7,352,000531
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$4,248,5101,485
2007-09-30 (YTD Data)Rank
Total interest income$17,132,0001,856
Total interest expense$5,899,0002,343
Net interest income$11,233,0001,527
Provision for loan and lease losses$345,0002,117
Total noninterest income$3,030,0001,292
Gross Fiduciary activities income$556,000496
Service charges on deposit accounts$1,347,000971
Trading account gains and fees$0184
Additional Noninterest Income$1,127,0001,667
Total noninterest expense$9,386,0001,453
Salaries and employee benefits$5,588,0001,345
Premises and equipment expense$1,397,0001,421
Additional noninterest expense$2,401,0001,696
Pre-tax net operating income$4,532,0001,492
Securities gains (losses)$2,0001,394
Applicable income taxes$1,231,0001,421
Income before extraordinary items$3,303,0001,529
Extraordinary gains, net$033
Net income$3,303,0001,528
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$253,0001,680
Cash dividends$1,893,0001,287
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,301,5401,526
2007-06-30 (YTD Data)Rank
Total interest income$11,266,0001,899
Total interest expense$3,815,0002,422
Net interest income$7,451,0001,551
Provision for loan and lease losses$200,0002,152
Total noninterest income$1,944,0001,360
Gross Fiduciary activities income$358,000516
Service charges on deposit accounts$856,0001,030
Trading account gains and fees$0168
Additional Noninterest Income$730,0001,719
Total noninterest expense$6,224,0001,478
Salaries and employee benefits$3,718,0001,367
Premises and equipment expense$914,0001,458
Additional noninterest expense$1,592,0001,713
Pre-tax net operating income$2,971,0001,557
Securities gains (losses)$2,0001,203
Applicable income taxes$813,0001,474
Income before extraordinary items$2,160,0001,614
Extraordinary gains, net$029
Net income$2,160,0001,614
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0001,985
Cash dividends$928,0001,630
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,158,5401,598
2007-03-31 (YTD Data)Rank
Total interest income$5,558,0001,917
Total interest expense$1,871,0002,442
Net interest income$3,687,0001,572
Provision for loan and lease losses$200,0001,154
Total noninterest income$952,0001,352
Gross Fiduciary activities income$175,000520
Service charges on deposit accounts$407,0001,056
Trading account gains and fees$0195
Additional Noninterest Income$370,0001,690
Total noninterest expense$3,056,0001,497
Salaries and employee benefits$1,883,0001,362
Premises and equipment expense$441,0001,524
Additional noninterest expense$732,0001,825
Pre-tax net operating income$1,383,0001,656
Securities gains (losses)$01,187
Applicable income taxes$369,0001,608
Income before extraordinary items$1,014,0001,691
Extraordinary gains, net$022
Net income$1,014,0001,691
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0001,246
Cash dividends$464,0001,501
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,014,0001,682
2006-12-31 (YTD Data)Rank
Total interest income$21,382,0001,883
Total interest expense$6,438,0002,441
Net interest income$14,944,0001,532
Provision for loan and lease losses$500,0001,903
Total noninterest income$3,716,0001,359
Gross Fiduciary activities income$708,000497
Service charges on deposit accounts$1,745,0001,018
Trading account gains and fees$0130
Additional Noninterest Income$1,263,0001,890
Total noninterest expense$12,434,0001,441
Salaries and employee benefits$7,062,0001,382
Premises and equipment expense$1,737,0001,478
Additional noninterest expense$3,635,0001,459
Pre-tax net operating income$5,726,0001,682
Securities gains (losses)$1,0001,542
Applicable income taxes$1,568,0001,588
Income before extraordinary items$4,159,0001,727
Extraordinary gains, net$051
Net income$4,159,0001,728
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$365,0001,449
Cash dividends$1,791,0001,715
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$4,158,2701,716
2006-09-30 (YTD Data)Rank
Total interest income$15,827,0001,890
Total interest expense$4,638,0002,465
Net interest income$11,189,0001,547
Provision for loan and lease losses$250,0002,440
Total noninterest income$2,615,0001,450
Gross Fiduciary activities income$521,000499
Service charges on deposit accounts$1,300,0001,024
Trading account gains and fees$0126
Additional Noninterest Income$794,0002,137
Total noninterest expense$9,296,0001,449
Salaries and employee benefits$5,092,0001,459
Premises and equipment expense$1,318,0001,472
Additional noninterest expense$2,886,0001,377
Pre-tax net operating income$4,258,0001,752
Securities gains (losses)$01,388
Applicable income taxes$1,171,0001,680
Income before extraordinary items$3,087,0001,789
Extraordinary gains, net$045
Net income$3,087,0001,791
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0001,997
Cash dividends$1,333,0001,598
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,087,0001,769
2006-06-30 (YTD Data)Rank
Total interest income$10,288,0001,902
Total interest expense$2,904,0002,502
Net interest income$7,384,0001,562
Provision for loan and lease losses$50,0004,407
Total noninterest income$1,889,0001,365
Gross Fiduciary activities income$348,000505
Service charges on deposit accounts$817,0001,088
Trading account gains and fees$0126
Additional Noninterest Income$724,0001,719
Total noninterest expense$6,442,0001,400
Salaries and employee benefits$3,326,0001,495
Premises and equipment expense$875,0001,491
Additional noninterest expense$2,241,0001,209
Pre-tax net operating income$2,781,0001,788
Securities gains (losses)$01,185
Applicable income taxes$759,0001,743
Income before extraordinary items$2,022,0001,808
Extraordinary gains, net$039
Net income$2,022,0001,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0001,697
Cash dividends$864,0001,626
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,022,0001,794
2006-03-31 (YTD Data)Rank
Total interest income$5,060,0001,894
Total interest expense$1,399,0002,471
Net interest income$3,661,0001,560
Provision for loan and lease losses$06,013
Total noninterest income$896,0001,389
Gross Fiduciary activities income$170,000514
Service charges on deposit accounts$388,0001,115
Trading account gains and fees$0115
Additional Noninterest Income$338,0001,773
Total noninterest expense$3,237,0001,395
Salaries and employee benefits$1,644,0001,514
Premises and equipment expense$428,0001,523
Additional noninterest expense$1,165,0001,145
Pre-tax net operating income$1,320,0001,824
Securities gains (losses)$0955
Applicable income taxes$356,0001,798
Income before extraordinary items$964,0001,860
Extraordinary gains, net$021
Net income$964,0001,859
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0003,757
Cash dividends$409,0001,583
Sale, conversion, retirement of capital stock, net$0648
Net operating income$964,0001,842
2005-12-31 (YTD Data)Rank
Total interest income$18,750,0001,801
Total interest expense$4,938,0002,216
Net interest income$13,812,0001,590
Provision for loan and lease losses$750,0001,335
Total noninterest income$4,258,0001,217
Gross Fiduciary activities income$652,000510
Service charges on deposit accounts$1,873,000926
Trading account gains and fees$0138
Additional Noninterest Income$1,733,0001,502
Total noninterest expense$11,995,0001,434
Salaries and employee benefits$7,044,0001,321
Premises and equipment expense$1,809,0001,361
Additional noninterest expense$3,142,0001,616
Pre-tax net operating income$5,325,0001,753
Securities gains (losses)$02,296
Applicable income taxes$1,383,0001,803
Income before extraordinary items$3,942,0001,762
Extraordinary gains, net$046
Net income$3,942,0001,760
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,042,000656
Cash dividends$1,514,0001,805
Sale, conversion, retirement of capital stock, net$0934
Net operating income$3,942,0001,735
2005-09-30 (YTD Data)Rank
Total interest income$13,784,0001,785
Total interest expense$3,593,0002,170
Net interest income$10,191,0001,598
Provision for loan and lease losses$650,0001,137
Total noninterest income$3,174,0001,231
Gross Fiduciary activities income$484,000505
Service charges on deposit accounts$1,419,000914
Trading account gains and fees$0126
Additional Noninterest Income$1,271,0001,524
Total noninterest expense$8,681,0001,470
Salaries and employee benefits$5,064,0001,365
Premises and equipment expense$1,311,0001,390
Additional noninterest expense$2,306,0001,623
Pre-tax net operating income$4,034,0001,751
Securities gains (losses)$02,317
Applicable income taxes$1,104,0001,753
Income before extraordinary items$2,930,0001,784
Extraordinary gains, net$035
Net income$2,930,0001,785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$147,0002,045
Cash dividends$1,035,0001,742
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,930,0001,754
2005-06-30 (YTD Data)Rank
Total interest income$8,902,0001,784
Total interest expense$2,256,0002,181
Net interest income$6,646,0001,614
Provision for loan and lease losses$300,0001,505
Total noninterest income$2,052,0001,240
Gross Fiduciary activities income$326,000505
Service charges on deposit accounts$908,000933
Trading account gains and fees$0116
Additional Noninterest Income$818,0001,552
Total noninterest expense$5,747,0001,478
Salaries and employee benefits$3,387,0001,349
Premises and equipment expense$883,0001,371
Additional noninterest expense$1,477,0001,671
Pre-tax net operating income$2,651,0001,748
Securities gains (losses)$02,146
Applicable income taxes$724,0001,747
Income before extraordinary items$1,927,0001,775
Extraordinary gains, net$030
Net income$1,927,0001,775
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0003,897
Cash dividends$731,0001,701
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,927,0001,741
2005-03-31 (YTD Data)Rank
Total interest income$4,312,0001,816
Total interest expense$1,085,0002,160
Net interest income$3,227,0001,657
Provision for loan and lease losses$50,0003,171
Total noninterest income$935,0001,313
Gross Fiduciary activities income$161,000513
Service charges on deposit accounts$430,000957
Trading account gains and fees$0115
Additional Noninterest Income$344,0001,717
Total noninterest expense$2,860,0001,484
Salaries and employee benefits$1,704,0001,361
Premises and equipment expense$453,0001,339
Additional noninterest expense$703,0001,762
Pre-tax net operating income$1,252,0001,806
Securities gains (losses)$01,685
Applicable income taxes$341,0001,810
Income before extraordinary items$911,0001,859
Extraordinary gains, net$024
Net income$911,0001,860
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-31,0008,492
Cash dividends$291,0001,817
Sale, conversion, retirement of capital stock, net$0491
Net operating income$911,0001,816
2004-12-31 (YTD Data)Rank
Total interest income$16,535,0001,730
Total interest expense$4,075,0002,006
Net interest income$12,460,0001,633
Provision for loan and lease losses$07,314
Total noninterest income$4,334,0001,200
Gross Fiduciary activities income$618,000497
Service charges on deposit accounts$1,946,000893
Trading account gains and fees$0138
Additional Noninterest Income$1,770,0001,450
Total noninterest expense$11,707,0001,397
Salaries and employee benefits$6,674,0001,313
Premises and equipment expense$1,740,0001,330
Additional noninterest expense$3,293,0001,503
Pre-tax net operating income$5,087,0001,674
Securities gains (losses)$03,819
Applicable income taxes$1,371,0001,720
Income before extraordinary items$3,716,0001,722
Extraordinary gains, net$034
Net income$3,716,0001,723
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-207,0008,882
Cash dividends$933,0002,459
Sale, conversion, retirement of capital stock, net$0872
Net operating income$3,716,0001,680
2004-09-30 (YTD Data)Rank
Total interest income$12,324,0001,723
Total interest expense$3,049,0001,965
Net interest income$9,275,0001,639
Provision for loan and lease losses$07,100
Total noninterest income$3,239,0001,227
Gross Fiduciary activities income$453,000506
Service charges on deposit accounts$1,472,000887
Trading account gains and fees$0134
Additional Noninterest Income$1,314,0001,466
Total noninterest expense$8,777,0001,392
Salaries and employee benefits$4,990,0001,315
Premises and equipment expense$1,274,0001,358
Additional noninterest expense$2,513,0001,463
Pre-tax net operating income$3,737,0001,717
Securities gains (losses)$03,710
Applicable income taxes$992,0001,790
Income before extraordinary items$2,745,0001,761
Extraordinary gains, net$026
Net income$2,745,0001,762
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-149,0008,876
Cash dividends$622,0002,358
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,745,0001,710
2004-06-30 (YTD Data)Rank
Total interest income$8,242,0001,709
Total interest expense$2,108,0001,876
Net interest income$6,134,0001,631
Provision for loan and lease losses$06,885
Total noninterest income$2,093,0001,248
Gross Fiduciary activities income$290,000521
Service charges on deposit accounts$975,000880
Trading account gains and fees$0130
Additional Noninterest Income$828,0001,516
Total noninterest expense$5,753,0001,410
Salaries and employee benefits$3,215,0001,363
Premises and equipment expense$874,0001,319
Additional noninterest expense$1,664,0001,450
Pre-tax net operating income$2,474,0001,699
Securities gains (losses)$03,413
Applicable income taxes$664,0001,779
Income before extraordinary items$1,810,0001,756
Extraordinary gains, net$021
Net income$1,810,0001,757
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,0008,795
Cash dividends$311,0002,815
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,810,0001,698
2004-03-31 (YTD Data)Rank
Total interest income$4,062,0001,733
Total interest expense$1,073,0001,862
Net interest income$2,989,0001,669
Provision for loan and lease losses$06,501
Total noninterest income$1,028,0001,231
Gross Fiduciary activities income$140,000543
Service charges on deposit accounts$464,000897
Trading account gains and fees$0121
Additional Noninterest Income$424,0001,467
Total noninterest expense$2,895,0001,421
Salaries and employee benefits$1,654,0001,338
Premises and equipment expense$436,0001,334
Additional noninterest expense$805,0001,491
Pre-tax net operating income$1,122,0001,829
Securities gains (losses)$02,934
Applicable income taxes$287,0001,992
Income before extraordinary items$835,0001,872
Extraordinary gains, net$016
Net income$835,0001,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,0008,046
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$835,0001,787
2003-12-31 (YTD Data)Rank
Total interest income$16,986,0001,684
Total interest expense$4,936,0001,812
Net interest income$12,050,0001,614
Provision for loan and lease losses$900,0001,310
Total noninterest income$5,589,0001,042
Gross Fiduciary activities income$556,000530
Service charges on deposit accounts$2,019,000846
Trading account gains and fees$0160
Additional Noninterest Income$3,014,0001,089
Total noninterest expense$12,524,0001,293
Salaries and employee benefits$6,854,0001,249
Premises and equipment expense$1,849,0001,214
Additional noninterest expense$3,821,0001,301
Pre-tax net operating income$4,215,0001,901
Securities gains (losses)$04,500
Applicable income taxes$1,040,0002,119
Income before extraordinary items$3,175,0001,944
Extraordinary gains, net$054
Net income$3,175,0001,944
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,160,000823
Cash dividends$1,184,0002,095
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,175,0001,856
2003-09-30 (YTD Data)Rank
Total interest income$12,796,0001,708
Total interest expense$3,831,0001,821
Net interest income$8,965,0001,635
Provision for loan and lease losses$825,0001,054
Total noninterest income$4,490,0001,008
Gross Fiduciary activities income$408,000542
Service charges on deposit accounts$1,507,000855
Trading account gains and fees$0153
Additional Noninterest Income$2,575,0001,028
Total noninterest expense$9,403,0001,302
Salaries and employee benefits$5,252,0001,236
Premises and equipment expense$1,343,0001,272
Additional noninterest expense$2,808,0001,316
Pre-tax net operating income$3,227,0001,927
Securities gains (losses)$04,204
Applicable income taxes$822,0002,167
Income before extraordinary items$2,405,0001,995
Extraordinary gains, net$040
Net income$2,405,0001,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$685,000914
Cash dividends$888,0001,899
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,405,0001,888
2003-06-30 (YTD Data)Rank
Total interest income$8,662,0001,700
Total interest expense$2,644,0001,819
Net interest income$6,018,0001,616
Provision for loan and lease losses$575,0001,029
Total noninterest income$3,199,000955
Gross Fiduciary activities income$273,000543
Service charges on deposit accounts$1,010,000837
Trading account gains and fees$0150
Additional Noninterest Income$1,916,000943
Total noninterest expense$6,432,0001,268
Salaries and employee benefits$3,651,0001,174
Premises and equipment expense$912,0001,249
Additional noninterest expense$1,869,0001,319
Pre-tax net operating income$2,210,0001,877
Securities gains (losses)$03,782
Applicable income taxes$581,0002,099
Income before extraordinary items$1,629,0001,952
Extraordinary gains, net$030
Net income$1,629,0001,951
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$437,000931
Cash dividends$592,0001,936
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,629,0001,844
2003-03-31 (YTD Data)Rank
Total interest income$4,253,0001,737
Total interest expense$1,372,0001,808
Net interest income$2,881,0001,697
Provision for loan and lease losses$225,0001,208
Total noninterest income$1,604,000928
Gross Fiduciary activities income$139,000543
Service charges on deposit accounts$515,000802
Trading account gains and fees$0134
Additional Noninterest Income$950,000923
Total noninterest expense$3,166,0001,280
Salaries and employee benefits$1,685,0001,290
Premises and equipment expense$452,0001,275
Additional noninterest expense$1,029,0001,189
Pre-tax net operating income$1,094,0001,883
Securities gains (losses)$02,891
Applicable income taxes$290,0002,105
Income before extraordinary items$804,0001,970
Extraordinary gains, net$021
Net income$804,0001,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$217,000898
Cash dividends$296,0001,816
Sale, conversion, retirement of capital stock, net$0419
Net operating income$804,0001,861
2002-12-31 (YTD Data)Rank
Total interest income$18,639,0001,649
Total interest expense$6,211,0001,841
Net interest income$12,428,0001,560
Provision for loan and lease losses$2,671,000601
Total noninterest income$4,172,0001,212
Gross Fiduciary activities income$593,000525
Service charges on deposit accounts$1,353,0001,195
Trading account gains and fees$0153
Additional Noninterest Income$2,226,0001,220
Total noninterest expense$12,598,0001,216
Salaries and employee benefits$6,318,0001,284
Premises and equipment expense$2,300,000953
Additional noninterest expense$3,980,0001,214
Pre-tax net operating income$1,331,0004,421
Securities gains (losses)$04,537
Applicable income taxes$103,0005,938
Income before extraordinary items$1,228,0004,015
Extraordinary gains, net$070
Net income$1,228,0004,015
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,224,000803
Cash dividends$620,0003,096
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,228,0003,912
2001-12-31 (YTD Data)Rank
Total interest income$21,536,0001,578
Total interest expense$9,435,0001,721
Net interest income$12,101,0001,469
Provision for loan and lease losses$1,250,0001,049
Total noninterest income$3,421,0001,334
Gross Fiduciary activities income$565,000555
Service charges on deposit accounts$983,0001,505
Trading account gains and fees$0177
Additional Noninterest Income$1,873,0001,307
Total noninterest expense$11,350,0001,277
Salaries and employee benefits$5,349,0001,407
Premises and equipment expense$2,135,000982
Additional noninterest expense$3,866,0001,226
Pre-tax net operating income$2,922,0002,315
Securities gains (losses)$529,000594
Applicable income taxes$844,0002,336
Income before extraordinary items$2,607,0002,005
Extraordinary gains, net$0105
Net income$2,607,0002,009
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,281,000785
Cash dividends$457,0003,627
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,204,9602,260
2000-12-31 (YTD Data)Rank
Total interest income$22,938,0001,505
Total interest expense$10,485,0001,637
Net interest income$12,453,0001,408
Provision for loan and lease losses$700,0001,410
Total noninterest income$3,265,0001,249
Gross Fiduciary activities income$535,000580
Service charges on deposit accounts$1,021,0001,326
Trading account gains and fees$0180
Additional Noninterest Income$1,709,0001,254
Total noninterest expense$10,357,0001,340
Salaries and employee benefits$4,857,0001,460
Premises and equipment expense$1,933,0001,034
Additional noninterest expense$3,567,0001,272
Pre-tax net operating income$4,661,0001,585
Securities gains (losses)$-7,0008,117
Applicable income taxes$1,250,0001,771
Income before extraordinary items$3,404,0001,554
Extraordinary gains, net$038
Net income$3,404,0001,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$736,000933
Cash dividends$1,415,0001,729
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,409,1101,542
1999-12-31 (YTD Data)Rank
Total interest income$19,924,0001,627
Total interest expense$8,281,0001,794
Net interest income$11,643,0001,507
Provision for loan and lease losses$852,0001,120
Total noninterest income$3,028,0001,338
Gross Fiduciary activities income$487,000648
Service charges on deposit accounts$989,0001,324
Trading account gains and fees$0173
Additional Noninterest Income$1,552,0001,367
Total noninterest expense$9,839,0001,409
Salaries and employee benefits$4,552,0001,532
Premises and equipment expense$1,921,0001,055
Additional noninterest expense$3,366,0001,373
Pre-tax net operating income$3,980,0001,843
Securities gains (losses)$03,155
Applicable income taxes$970,0002,270
Income before extraordinary items$3,010,0001,770
Extraordinary gains, net$035
Net income$3,010,0001,771
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$746,000885
Cash dividends$3,718,000822
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$3,010,0001,737
1998-12-31 (YTD Data)Rank
Total interest income$19,222,0001,687
Total interest expense$7,885,0001,945
Net interest income$11,337,0001,492
Provision for loan and lease losses$600,0001,475
Total noninterest income$3,344,0001,244
Gross Fiduciary activities income$500,000635
Service charges on deposit accounts$907,0001,387
Trading account gains and fees$0224
Additional Noninterest Income$1,937,0001,187
Total noninterest expense$9,712,0001,351
Salaries and employee benefits$4,483,0001,457
Premises and equipment expense$1,744,0001,111
Additional noninterest expense$3,485,0001,274
Pre-tax net operating income$4,369,0001,687
Securities gains (losses)$5,0003,437
Applicable income taxes$1,100,0002,136
Income before extraordinary items$3,274,0001,601
Extraordinary gains, net$032
Net income$3,274,0001,602
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$437,0001,407
Cash dividends$3,620,000841
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$3,270,2501,547
1997-12-31 (YTD Data)Rank
Total interest income$18,494,0001,788
Total interest expense$7,302,0002,085
Net interest income$11,192,0001,542
Provision for loan and lease losses$460,0001,904
Total noninterest income$2,288,0001,581
Gross Fiduciary activities income$528,000635
Service charges on deposit accounts$799,0001,624
Trading account gains and fees$0239
Additional Noninterest Income$961,0001,782
Total noninterest expense$9,202,0001,420
Salaries and employee benefits$4,520,0001,449
Premises and equipment expense$1,551,0001,269
Additional noninterest expense$3,131,0001,390
Pre-tax net operating income$3,818,0001,966
Securities gains (losses)$5,0002,787
Applicable income taxes$1,017,0002,402
Income before extraordinary items$2,806,0001,877
Extraordinary gains, net$044
Net income$2,806,0001,876
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$411,0001,559
Cash dividends$1,108,0002,003
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,802,3501,828
1996-12-31 (YTD Data)Rank
Total interest income$16,638,0002,035
Total interest expense$6,468,0002,387
Net interest income$10,170,0001,741
Provision for loan and lease losses$267,0002,826
Total noninterest income$1,945,0001,885
Gross Fiduciary activities income$545,000682
Service charges on deposit accounts$703,0001,928
Trading account gains and fees$0262
Additional Noninterest Income$697,0002,308
Total noninterest expense$7,937,0001,789
Salaries and employee benefits$4,075,0001,634
Premises and equipment expense$1,411,0001,440
Additional noninterest expense$2,451,0002,046
Pre-tax net operating income$3,911,0001,843
Securities gains (losses)$10,0002,493
Applicable income taxes$1,072,0002,200
Income before extraordinary items$2,849,0001,740
Extraordinary gains, net$053
Net income$2,849,0001,741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,856
Cash dividends$1,001,0002,116
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,841,7001,709
1995-12-31 (YTD Data)Rank
Total interest income$15,265,0002,208
Total interest expense$6,226,0002,472
Net interest income$9,039,0001,985
Provision for loan and lease losses$222,0002,832
Total noninterest income$1,601,0002,181
Gross Fiduciary activities income$479,000750
Service charges on deposit accounts$708,0001,911
Trading account gains and fees$0522
Additional Noninterest Income$414,0003,239
Total noninterest expense$7,144,0001,938
Salaries and employee benefits$3,617,0001,840
Premises and equipment expense$1,031,0001,971
Additional noninterest expense$2,496,0001,998
Pre-tax net operating income$3,274,0002,256
Securities gains (losses)$17,0002,020
Applicable income taxes$775,0002,957
Income before extraordinary items$2,516,0002,006
Extraordinary gains, net$065
Net income$2,516,0002,003
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$111,0003,529
Cash dividends$919,0002,190
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,503,0801,995
1994-12-31 (YTD Data)Rank
Total interest income$12,449,0002,435
Total interest expense$4,787,0002,564
Net interest income$7,662,0002,351
Provision for loan and lease losses$180,0003,202
Total noninterest income$1,608,0002,167
Gross Fiduciary activities income$441,000778
Service charges on deposit accounts$714,0001,884
Trading account gains and fees$0475
Additional Noninterest Income$453,0003,158
Total noninterest expense$6,568,0002,153
Salaries and employee benefits$3,305,0002,012
Premises and equipment expense$1,028,0001,978
Additional noninterest expense$2,235,0002,348
Pre-tax net operating income$2,522,0002,804
Securities gains (losses)$03,600
Applicable income taxes$600,0003,517
Income before extraordinary items$1,922,0002,526
Extraordinary gains, net$0249
Net income$1,922,0002,526
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,275
Cash dividends$680,0002,585
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,922,0002,546
1993-12-31 (YTD Data)Rank
Total interest income$11,705,0002,641
Total interest expense$5,060,0002,543
Net interest income$6,645,0002,714
Provision for loan and lease losses$010,371
Total noninterest income$1,528,0002,418
Gross Fiduciary activities income$402,000841
Service charges on deposit accounts$642,0002,132
Trading account gains and fees$0532
Additional Noninterest Income$484,0003,333
Total noninterest expense$6,301,0002,295
Salaries and employee benefits$3,106,0002,126
Premises and equipment expense$1,024,0002,005
Additional noninterest expense$2,171,0002,550
Pre-tax net operating income$1,872,0003,537
Securities gains (losses)$205,0001,669
Applicable income taxes$500,0004,189
Income before extraordinary items$1,577,0003,093
Extraordinary gains, net$-37,00012,619
Net income$1,540,0003,255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0006,663
Cash dividends$624,0002,580
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,421,2003,227
1992-12-31 (YTD Data)Rank
Total interest income$13,154,0002,680
Total interest expense$6,007,0002,770
Net interest income$7,147,0002,542
Provision for loan and lease losses$480,0003,089
Total noninterest income$1,549,0002,338
Gross Fiduciary activities income$386,000856
Service charges on deposit accounts$575,0002,398
Trading account gains and fees$0504
Additional Noninterest Income$588,0002,861
Total noninterest expense$6,336,0002,304
Salaries and employee benefits$3,046,0002,149
Premises and equipment expense$1,029,0002,043
Additional noninterest expense$2,261,0002,536
Pre-tax net operating income$1,880,0003,296
Securities gains (losses)$08,369
Applicable income taxes$422,0004,599
Income before extraordinary items$1,458,0003,164
Extraordinary gains, net$01,422
Net income$1,458,0003,192
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$386,0002,891
Cash dividends$554,0002,560
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,458,0002,931

* 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.