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The Commercial Savings Bank, Income and Expense

2016-12-31 (YTD Data)Rank
Total interest income$14,922,0001,692
Total interest expense$868,0002,664
Net interest income$14,054,0001,595
Provision for loan and lease losses$65,0003,464
Total noninterest income$2,737,0001,753
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$1,234,000993
Trading account gains and fees$0170
Additional Noninterest Income$1,503,0001,881
Total noninterest expense$10,425,0001,832
Salaries and employee benefits$6,304,0001,707
Premises and equipment expense$1,071,0002,030
Additional noninterest expense$3,050,0001,955
Pre-tax net operating income$6,301,0001,345
Securities gains (losses)$-8,0005,623
Applicable income taxes$1,763,0001,145
Income before extraordinary items$4,530,0001,498
Extraordinary gains, net$05
Net income$4,530,0001,497
Minority interest net income$082
Net income of bank and minority interests.$4,530,0001,497
Net charge-offs$40,0003,302
Cash dividends$1,595,0001,641
Sale, conversion, retirement of capital stock, net$0759
Net operating income$4,535,7601,468
2016-09-30 (YTD Data)Rank
Total interest income$11,237,0001,685
Total interest expense$642,0002,687
Net interest income$10,595,0001,580
Provision for loan and lease losses$69,0003,104
Total noninterest income$2,197,0001,675
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$917,0001,002
Trading account gains and fees$0169
Additional Noninterest Income$1,280,0001,744
Total noninterest expense$7,865,0001,818
Salaries and employee benefits$4,657,0001,732
Premises and equipment expense$811,0002,023
Additional noninterest expense$2,397,0001,866
Pre-tax net operating income$4,858,0001,342
Securities gains (losses)$-8,0005,790
Applicable income taxes$1,297,0001,204
Income before extraordinary items$3,553,0001,470
Extraordinary gains, net$05
Net income$3,553,0001,469
Minority interest net income$071
Net income of bank and minority interests.$3,553,0001,470
Net charge-offs$46,0002,643
Cash dividends$1,293,0001,421
Sale, conversion, retirement of capital stock, net$0719
Net operating income$3,558,8401,431
2016-06-30 (YTD Data)Rank
Total interest income$7,502,0001,692
Total interest expense$423,0002,725
Net interest income$7,079,0001,583
Provision for loan and lease losses$17,0003,619
Total noninterest income$1,678,0001,500
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$602,0001,004
Trading account gains and fees$0157
Additional Noninterest Income$1,076,0001,476
Total noninterest expense$5,174,0001,851
Salaries and employee benefits$3,044,0001,763
Premises and equipment expense$535,0002,042
Additional noninterest expense$1,595,0001,874
Pre-tax net operating income$3,566,0001,223
Securities gains (losses)$-8,0005,884
Applicable income taxes$917,0001,149
Income before extraordinary items$2,641,0001,348
Extraordinary gains, net$016
Net income$2,641,0001,347
Minority interest net income$071
Net income of bank and minority interests.$2,641,0001,348
Net charge-offs$25,0002,619
Cash dividends$1,000,0001,296
Sale, conversion, retirement of capital stock, net$0705
Net operating income$2,646,9201,296
2016-03-31 (YTD Data)Rank
Total interest income$3,719,0001,715
Total interest expense$207,0002,781
Net interest income$3,512,0001,601
Provision for loan and lease losses$22,0002,836
Total noninterest income$1,149,0001,178
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$296,0001,012
Trading account gains and fees$0142
Additional Noninterest Income$853,0001,048
Total noninterest expense$2,575,0001,861
Salaries and employee benefits$1,487,0001,813
Premises and equipment expense$266,0002,067
Additional noninterest expense$822,0001,803
Pre-tax net operating income$2,064,0001,060
Securities gains (losses)$-8,0005,967
Applicable income taxes$436,0001,164
Income before extraordinary items$1,620,0001,101
Extraordinary gains, net$012
Net income$1,620,0001,102
Minority interest net income$062
Net income of bank and minority interests.$1,620,0001,102
Net charge-offs$21,0001,949
Cash dividends$700,000951
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,626,3201,077
2015-12-31 (YTD Data)Rank
Total interest income$14,554,0001,700
Total interest expense$823,0002,769
Net interest income$13,731,0001,592
Provision for loan and lease losses$188,0002,404
Total noninterest income$1,993,0002,120
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$1,236,0001,006
Trading account gains and fees$0159
Additional Noninterest Income$757,0002,720
Total noninterest expense$10,490,0001,803
Salaries and employee benefits$5,986,0001,747
Premises and equipment expense$1,046,0002,108
Additional noninterest expense$3,458,0001,751
Pre-tax net operating income$5,046,0001,564
Securities gains (losses)$03,216
Applicable income taxes$1,510,0001,229
Income before extraordinary items$3,536,0001,779
Extraordinary gains, net$023
Net income$3,536,0001,780
Minority interest net income$081
Net income of bank and minority interests.$3,536,0001,781
Net charge-offs$453,0001,261
Cash dividends$1,310,0001,790
Sale, conversion, retirement of capital stock, net$0804
Net operating income$3,536,0001,746
2015-09-30 (YTD Data)Rank
Total interest income$10,887,0001,716
Total interest expense$620,0002,796
Net interest income$10,267,0001,616
Provision for loan and lease losses$138,0002,345
Total noninterest income$1,483,0002,144
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$923,0001,013
Trading account gains and fees$0153
Additional Noninterest Income$560,0002,770
Total noninterest expense$7,883,0001,812
Salaries and employee benefits$4,381,0001,787
Premises and equipment expense$804,0002,094
Additional noninterest expense$2,698,0001,676
Pre-tax net operating income$3,729,0001,611
Securities gains (losses)$03,031
Applicable income taxes$1,103,0001,279
Income before extraordinary items$2,626,0001,821
Extraordinary gains, net$021
Net income$2,626,0001,823
Minority interest net income$078
Net income of bank and minority interests.$2,626,0001,824
Net charge-offs$329,0001,142
Cash dividends$757,0001,882
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,626,0001,785
2015-06-30 (YTD Data)Rank
Total interest income$7,234,0001,721
Total interest expense$419,0002,789
Net interest income$6,815,0001,628
Provision for loan and lease losses$52,0002,861
Total noninterest income$972,0002,173
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$602,0001,012
Trading account gains and fees$0157
Additional Noninterest Income$370,0002,777
Total noninterest expense$5,342,0001,793
Salaries and employee benefits$2,886,0001,819
Premises and equipment expense$552,0002,051
Additional noninterest expense$1,904,0001,605
Pre-tax net operating income$2,393,0001,637
Securities gains (losses)$02,636
Applicable income taxes$738,0001,294
Income before extraordinary items$1,655,0001,888
Extraordinary gains, net$022
Net income$1,655,0001,891
Minority interest net income$075
Net income of bank and minority interests.$1,655,0001,891
Net charge-offs$82,0001,906
Cash dividends$455,0002,029
Sale, conversion, retirement of capital stock, net$0751
Net operating income$1,655,0001,846
2015-03-31 (YTD Data)Rank
Total interest income$3,532,0001,763
Total interest expense$214,0002,754
Net interest income$3,318,0001,667
Provision for loan and lease losses$-4,0006,079
Total noninterest income$512,0002,069
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$294,0001,018
Trading account gains and fees$0152
Additional Noninterest Income$218,0002,513
Total noninterest expense$2,654,0001,799
Salaries and employee benefits$1,430,0001,848
Premises and equipment expense$295,0001,965
Additional noninterest expense$929,0001,624
Pre-tax net operating income$1,180,0001,616
Securities gains (losses)$02,027
Applicable income taxes$372,0001,251
Income before extraordinary items$808,0001,912
Extraordinary gains, net$013
Net income$808,0001,915
Minority interest net income$064
Net income of bank and minority interests.$808,0001,915
Net charge-offs$17,0002,218
Cash dividends$227,0001,760
Sale, conversion, retirement of capital stock, net$0697
Net operating income$808,0001,850
2014-12-31 (YTD Data)Rank
Total interest income$14,476,0001,729
Total interest expense$852,0002,907
Net interest income$13,624,0001,624
Provision for loan and lease losses$309,0001,959
Total noninterest income$2,013,0002,095
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$1,317,0001,011
Trading account gains and fees$0180
Additional Noninterest Income$696,0002,830
Total noninterest expense$10,439,0001,822
Salaries and employee benefits$5,832,0001,769
Premises and equipment expense$1,100,0002,077
Additional noninterest expense$3,507,0001,769
Pre-tax net operating income$4,889,0001,553
Securities gains (losses)$03,259
Applicable income taxes$1,486,0001,204
Income before extraordinary items$3,403,0001,818
Extraordinary gains, net$017
Net income$3,403,0001,818
Minority interest net income$084
Net income of bank and minority interests.$3,403,0001,817
Net charge-offs$526,0001,413
Cash dividends$843,0002,259
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,403,0001,786
2014-09-30 (YTD Data)Rank
Total interest income$10,785,0001,752
Total interest expense$634,0002,976
Net interest income$10,151,0001,636
Provision for loan and lease losses$287,0001,686
Total noninterest income$1,538,0002,075
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$991,0001,007
Trading account gains and fees$0174
Additional Noninterest Income$547,0002,784
Total noninterest expense$7,743,0001,832
Salaries and employee benefits$4,312,0001,796
Premises and equipment expense$825,0002,091
Additional noninterest expense$2,606,0001,764
Pre-tax net operating income$3,659,0001,570
Securities gains (losses)$02,980
Applicable income taxes$1,110,0001,212
Income before extraordinary items$2,549,0001,819
Extraordinary gains, net$015
Net income$2,549,0001,819
Minority interest net income$081
Net income of bank and minority interests.$2,549,0001,818
Net charge-offs$266,0001,699
Cash dividends$617,0001,984
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,549,0001,786
2014-06-30 (YTD Data)Rank
Total interest income$7,070,0001,777
Total interest expense$426,0002,994
Net interest income$6,644,0001,655
Provision for loan and lease losses$261,0001,412
Total noninterest income$1,024,0002,060
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$651,0001,015
Trading account gains and fees$0172
Additional Noninterest Income$373,0002,750
Total noninterest expense$5,006,0001,889
Salaries and employee benefits$2,802,0001,837
Premises and equipment expense$565,0002,055
Additional noninterest expense$1,639,0001,870
Pre-tax net operating income$2,401,0001,553
Securities gains (losses)$02,580
Applicable income taxes$730,0001,207
Income before extraordinary items$1,671,0001,803
Extraordinary gains, net$020
Net income$1,671,0001,806
Minority interest net income$080
Net income of bank and minority interests.$1,671,0001,805
Net charge-offs$250,0001,402
Cash dividends$391,0002,076
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,671,0001,756
2014-03-31 (YTD Data)Rank
Total interest income$3,503,0001,780
Total interest expense$218,0002,969
Net interest income$3,285,0001,664
Provision for loan and lease losses$151,0001,185
Total noninterest income$528,0001,952
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$321,0001,003
Trading account gains and fees$0147
Additional Noninterest Income$207,0002,510
Total noninterest expense$2,525,0001,873
Salaries and employee benefits$1,408,0001,849
Premises and equipment expense$305,0001,952
Additional noninterest expense$812,0001,866
Pre-tax net operating income$1,137,0001,583
Securities gains (losses)$01,715
Applicable income taxes$351,0001,193
Income before extraordinary items$786,0001,835
Extraordinary gains, net$016
Net income$786,0001,840
Minority interest net income$066
Net income of bank and minority interests.$786,0001,838
Net charge-offs$158,0001,091
Cash dividends$195,0001,799
Sale, conversion, retirement of capital stock, net$0747
Net operating income$786,0001,797
2013-12-31 (YTD Data)Rank
Total interest income$14,041,0001,778
Total interest expense$1,170,0002,617
Net interest income$12,871,0001,677
Provision for loan and lease losses$531,0001,766
Total noninterest income$2,053,0002,131
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$1,286,0001,077
Trading account gains and fees$0184
Additional Noninterest Income$767,0002,727
Total noninterest expense$9,917,0001,914
Salaries and employee benefits$5,651,0001,807
Premises and equipment expense$1,112,0002,039
Additional noninterest expense$3,154,0001,993
Pre-tax net operating income$4,476,0001,562
Securities gains (losses)$03,182
Applicable income taxes$1,322,0001,225
Income before extraordinary items$3,154,0001,823
Extraordinary gains, net$029
Net income$3,154,0001,825
Minority interest net income$090
Net income of bank and minority interests.$3,154,0001,825
Net charge-offs$229,0002,864
Cash dividends$718,0002,333
Sale, conversion, retirement of capital stock, net$0924
Net operating income$3,154,0001,794
2013-09-30 (YTD Data)Rank
Total interest income$10,432,0001,804
Total interest expense$926,0002,582
Net interest income$9,506,0001,691
Provision for loan and lease losses$289,0002,130
Total noninterest income$1,552,0002,160
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$960,0001,082
Trading account gains and fees$0180
Additional Noninterest Income$592,0002,761
Total noninterest expense$7,461,0001,915
Salaries and employee benefits$4,215,0001,819
Premises and equipment expense$856,0002,019
Additional noninterest expense$2,390,0001,962
Pre-tax net operating income$3,308,0001,606
Securities gains (losses)$03,040
Applicable income taxes$971,0001,278
Income before extraordinary items$2,337,0001,879
Extraordinary gains, net$025
Net income$2,337,0001,883
Minority interest net income$084
Net income of bank and minority interests.$2,337,0001,884
Net charge-offs$62,0003,691
Cash dividends$523,0002,055
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,337,0001,824
2013-06-30 (YTD Data)Rank
Total interest income$6,871,0001,821
Total interest expense$646,0002,556
Net interest income$6,225,0001,719
Provision for loan and lease losses$150,0002,434
Total noninterest income$1,047,0002,163
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$625,0001,079
Trading account gains and fees$0157
Additional Noninterest Income$422,0002,721
Total noninterest expense$4,974,0001,912
Salaries and employee benefits$2,806,0001,831
Premises and equipment expense$577,0002,001
Additional noninterest expense$1,591,0001,967
Pre-tax net operating income$2,148,0001,622
Securities gains (losses)$02,791
Applicable income taxes$629,0001,297
Income before extraordinary items$1,519,0001,908
Extraordinary gains, net$022
Net income$1,519,0001,915
Minority interest net income$082
Net income of bank and minority interests.$1,519,0001,914
Net charge-offs$24,0003,889
Cash dividends$328,0002,109
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,519,0001,840
2013-03-31 (YTD Data)Rank
Total interest income$3,356,0001,876
Total interest expense$339,0002,516
Net interest income$3,017,0001,783
Provision for loan and lease losses$22,0003,533
Total noninterest income$525,0002,165
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$304,0001,098
Trading account gains and fees$0148
Additional Noninterest Income$221,0002,632
Total noninterest expense$2,505,0001,915
Salaries and employee benefits$1,405,0001,857
Premises and equipment expense$291,0002,020
Additional noninterest expense$809,0001,937
Pre-tax net operating income$1,015,0001,680
Securities gains (losses)$01,966
Applicable income taxes$300,0001,324
Income before extraordinary items$715,0001,974
Extraordinary gains, net$010
Net income$715,0001,975
Minority interest net income$076
Net income of bank and minority interests.$715,0001,976
Net charge-offs$48,0002,443
Cash dividends$164,0001,757
Sale, conversion, retirement of capital stock, net$0789
Net operating income$715,0001,887
2012-12-31 (YTD Data)Rank
Total interest income$14,247,0001,853
Total interest expense$1,490,0002,728
Net interest income$12,757,0001,721
Provision for loan and lease losses$798,0002,086
Total noninterest income$2,208,0002,049
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$1,304,0001,093
Trading account gains and fees$0166
Additional Noninterest Income$904,0002,511
Total noninterest expense$9,912,0001,930
Salaries and employee benefits$5,521,0001,827
Premises and equipment expense$1,128,0002,053
Additional noninterest expense$3,263,0002,008
Pre-tax net operating income$4,255,0001,577
Securities gains (losses)$03,810
Applicable income taxes$1,225,0001,274
Income before extraordinary items$3,030,0001,844
Extraordinary gains, net$029
Net income$3,030,0001,842
Minority interest net income$093
Net income of bank and minority interests.$3,030,0001,844
Net charge-offs$536,0002,568
Cash dividends$601,0002,543
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$3,030,0001,741
2012-09-30 (YTD Data)Rank
Total interest income$10,692,0001,879
Total interest expense$1,124,0002,825
Net interest income$9,568,0001,745
Provision for loan and lease losses$648,0001,955
Total noninterest income$1,632,0002,066
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$970,0001,103
Trading account gains and fees$0157
Additional Noninterest Income$662,0002,538
Total noninterest expense$7,453,0001,924
Salaries and employee benefits$4,170,0001,811
Premises and equipment expense$855,0002,061
Additional noninterest expense$2,428,0002,023
Pre-tax net operating income$3,099,0001,651
Securities gains (losses)$03,575
Applicable income taxes$879,0001,357
Income before extraordinary items$2,220,0001,917
Extraordinary gains, net$020
Net income$2,220,0001,916
Minority interest net income$086
Net income of bank and minority interests.$2,220,0001,918
Net charge-offs$177,0003,423
Cash dividends$437,0002,180
Sale, conversion, retirement of capital stock, net$0952
Net operating income$2,220,0001,810
2012-06-30 (YTD Data)Rank
Total interest income$7,155,0001,876
Total interest expense$753,0002,893
Net interest income$6,402,0001,739
Provision for loan and lease losses$240,0002,731
Total noninterest income$1,084,0002,049
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$640,0001,108
Trading account gains and fees$0153
Additional Noninterest Income$444,0002,496
Total noninterest expense$4,971,0001,937
Salaries and employee benefits$2,792,0001,795
Premises and equipment expense$571,0002,045
Additional noninterest expense$1,608,0002,028
Pre-tax net operating income$2,275,0001,518
Securities gains (losses)$03,178
Applicable income taxes$655,0001,236
Income before extraordinary items$1,620,0001,768
Extraordinary gains, net$019
Net income$1,620,0001,766
Minority interest net income$084
Net income of bank and minority interests.$1,620,0001,768
Net charge-offs$109,0003,332
Cash dividends$291,0002,209
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,620,0001,689
2012-03-31 (YTD Data)Rank
Total interest income$3,626,0001,870
Total interest expense$383,0002,956
Net interest income$3,243,0001,724
Provision for loan and lease losses$150,0002,302
Total noninterest income$524,0002,083
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$314,0001,114
Trading account gains and fees$0148
Additional Noninterest Income$210,0002,582
Total noninterest expense$2,500,0001,918
Salaries and employee benefits$1,422,0001,761
Premises and equipment expense$288,0002,045
Additional noninterest expense$790,0002,055
Pre-tax net operating income$1,117,0001,531
Securities gains (losses)$02,210
Applicable income taxes$321,0001,236
Income before extraordinary items$796,0001,808
Extraordinary gains, net$019
Net income$796,0001,809
Minority interest net income$078
Net income of bank and minority interests.$796,0001,809
Net charge-offs$20,0003,684
Cash dividends$146,0001,838
Sale, conversion, retirement of capital stock, net$0861
Net operating income$796,0001,707
2011-12-31 (YTD Data)Rank
Total interest income$15,036,0001,874
Total interest expense$2,112,0002,655
Net interest income$12,924,0001,735
Provision for loan and lease losses$989,0002,430
Total noninterest income$2,055,0001,963
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$1,365,0001,080
Trading account gains and fees$0146
Additional Noninterest Income$690,0002,653
Total noninterest expense$10,015,0001,912
Salaries and employee benefits$5,586,0001,731
Premises and equipment expense$1,161,0002,119
Additional noninterest expense$3,268,0002,044
Pre-tax net operating income$3,975,0001,440
Securities gains (losses)$03,838
Applicable income taxes$1,086,0001,270
Income before extraordinary items$2,889,0001,661
Extraordinary gains, net$029
Net income$2,889,0001,661
Minority interest net income$096
Net income of bank and minority interests.$2,889,0001,661
Net charge-offs$408,0003,414
Cash dividends$562,0002,285
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$2,889,0001,589
2011-09-30 (YTD Data)Rank
Total interest income$11,311,0001,887
Total interest expense$1,700,0002,598
Net interest income$9,611,0001,751
Provision for loan and lease losses$754,0002,342
Total noninterest income$1,498,0002,002
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$1,017,0001,092
Trading account gains and fees$0145
Additional Noninterest Income$481,0002,760
Total noninterest expense$7,452,0001,928
Salaries and employee benefits$4,058,0001,806
Premises and equipment expense$890,0002,098
Additional noninterest expense$2,504,0002,017
Pre-tax net operating income$2,903,0001,526
Securities gains (losses)$03,555
Applicable income taxes$778,0001,312
Income before extraordinary items$2,125,0001,751
Extraordinary gains, net$021
Net income$2,125,0001,752
Minority interest net income$087
Net income of bank and minority interests.$2,125,0001,752
Net charge-offs$252,0003,437
Cash dividends$416,0001,986
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,125,0001,668
2011-06-30 (YTD Data)Rank
Total interest income$7,472,0001,924
Total interest expense$1,185,0002,598
Net interest income$6,287,0001,780
Provision for loan and lease losses$525,0002,246
Total noninterest income$1,003,0001,987
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$656,0001,120
Trading account gains and fees$0153
Additional Noninterest Income$347,0002,669
Total noninterest expense$5,014,0001,924
Salaries and employee benefits$2,677,0001,837
Premises and equipment expense$608,0002,075
Additional noninterest expense$1,729,0001,979
Pre-tax net operating income$1,751,0001,629
Securities gains (losses)$02,914
Applicable income taxes$456,0001,404
Income before extraordinary items$1,295,0001,830
Extraordinary gains, net$015
Net income$1,295,0001,830
Minority interest net income$089
Net income of bank and minority interests.$1,295,0001,830
Net charge-offs$187,0003,185
Cash dividends$277,0002,009
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,295,0001,760
2011-03-31 (YTD Data)Rank
Total interest income$3,714,0001,945
Total interest expense$628,0002,542
Net interest income$3,086,0001,804
Provision for loan and lease losses$195,0002,476
Total noninterest income$469,0002,097
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$315,0001,145
Trading account gains and fees$0158
Additional Noninterest Income$154,0002,854
Total noninterest expense$2,490,0001,946
Salaries and employee benefits$1,310,0001,896
Premises and equipment expense$321,0002,006
Additional noninterest expense$859,0001,969
Pre-tax net operating income$870,0001,641
Securities gains (losses)$01,772
Applicable income taxes$226,0001,376
Income before extraordinary items$644,0001,807
Extraordinary gains, net$09
Net income$644,0001,806
Minority interest net income$086
Net income of bank and minority interests.$644,0001,807
Net charge-offs$151,0002,356
Cash dividends$138,0001,689
Sale, conversion, retirement of capital stock, net$0925
Net operating income$644,0001,755
2010-12-31 (YTD Data)Rank
Total interest income$15,740,0001,924
Total interest expense$3,555,0002,228
Net interest income$12,185,0001,810
Provision for loan and lease losses$1,370,0002,590
Total noninterest income$2,153,0001,984
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,498,0001,015
Trading account gains and fees$0175
Additional Noninterest Income$655,0002,792
Total noninterest expense$9,753,0001,991
Salaries and employee benefits$5,185,0001,878
Premises and equipment expense$1,156,0002,185
Additional noninterest expense$3,412,0002,046
Pre-tax net operating income$3,215,0001,526
Securities gains (losses)$03,793
Applicable income taxes$792,0001,443
Income before extraordinary items$2,423,0001,702
Extraordinary gains, net$029
Net income$2,423,0001,702
Minority interest net income$0111
Net income of bank and minority interests.$2,423,0001,704
Net charge-offs$916,0002,812
Cash dividends$604,0002,108
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$2,423,0001,638
2010-09-30 (YTD Data)Rank
Total interest income$11,810,0001,965
Total interest expense$2,770,0002,240
Net interest income$9,040,0001,858
Provision for loan and lease losses$905,0002,655
Total noninterest income$1,511,0002,076
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$1,142,0001,027
Trading account gains and fees$0165
Additional Noninterest Income$369,0003,228
Total noninterest expense$7,356,0001,973
Salaries and employee benefits$3,859,0001,886
Premises and equipment expense$889,0002,154
Additional noninterest expense$2,608,0001,986
Pre-tax net operating income$2,290,0001,711
Securities gains (losses)$03,651
Applicable income taxes$547,0001,585
Income before extraordinary items$1,743,0001,895
Extraordinary gains, net$023
Net income$1,743,0001,896
Minority interest net income$0110
Net income of bank and minority interests.$1,743,0001,897
Net charge-offs$686,0002,663
Cash dividends$429,0001,950
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$1,743,0001,794
2010-06-30 (YTD Data)Rank
Total interest income$7,841,0001,991
Total interest expense$1,898,0002,264
Net interest income$5,943,0001,883
Provision for loan and lease losses$525,0002,779
Total noninterest income$979,0002,085
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$764,0001,035
Trading account gains and fees$0152
Additional Noninterest Income$215,0003,391
Total noninterest expense$4,932,0001,980
Salaries and employee benefits$2,543,0001,918
Premises and equipment expense$618,0002,094
Additional noninterest expense$1,771,0001,948
Pre-tax net operating income$1,465,0001,750
Securities gains (losses)$03,184
Applicable income taxes$343,0001,601
Income before extraordinary items$1,122,0001,913
Extraordinary gains, net$019
Net income$1,122,0001,913
Minority interest net income$0105
Net income of bank and minority interests.$1,122,0001,913
Net charge-offs$508,0002,424
Cash dividends$289,0001,948
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,122,0001,824
2010-03-31 (YTD Data)Rank
Total interest income$3,916,0002,044
Total interest expense$967,0002,325
Net interest income$2,949,0001,927
Provision for loan and lease losses$245,0002,726
Total noninterest income$430,0002,247
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$376,0001,048
Trading account gains and fees$0175
Additional Noninterest Income$54,0004,552
Total noninterest expense$2,429,0002,025
Salaries and employee benefits$1,268,0001,949
Premises and equipment expense$331,0002,034
Additional noninterest expense$830,0002,049
Pre-tax net operating income$705,0001,815
Securities gains (losses)$02,284
Applicable income taxes$161,0001,657
Income before extraordinary items$544,0001,987
Extraordinary gains, net$016
Net income$544,0001,985
Minority interest net income$091
Net income of bank and minority interests.$544,0001,987
Net charge-offs$308,0002,007
Cash dividends$130,0001,696
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$544,0001,911
2009-12-31 (YTD Data)Rank
Total interest income$15,529,0002,167
Total interest expense$4,960,0002,277
Net interest income$10,569,0002,081
Provision for loan and lease losses$1,484,0002,919
Total noninterest income$2,313,0001,923
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$1,660,0001,048
Trading account gains and fees$0211
Additional Noninterest Income$653,0002,772
Total noninterest expense$10,122,0002,000
Salaries and employee benefits$4,929,0001,997
Premises and equipment expense$1,401,0001,917
Additional noninterest expense$3,792,0001,932
Pre-tax net operating income$1,276,0002,611
Securities gains (losses)$22,0003,000
Applicable income taxes$126,0002,720
Income before extraordinary items$1,172,0002,512
Extraordinary gains, net$034
Net income$1,172,0002,510
Minority interest net income$0115
Net income of bank and minority interests.$1,172,0002,511
Net charge-offs$1,223,0002,624
Cash dividends$757,0002,016
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$1,152,2002,489
2009-09-30 (YTD Data)Rank
Total interest income$11,566,0002,204
Total interest expense$3,882,0002,275
Net interest income$7,684,0002,138
Provision for loan and lease losses$1,000,0002,773
Total noninterest income$1,783,0001,929
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$1,217,0001,073
Trading account gains and fees$0212
Additional Noninterest Income$566,0002,609
Total noninterest expense$7,659,0001,960
Salaries and employee benefits$3,734,0001,994
Premises and equipment expense$1,075,0001,891
Additional noninterest expense$2,850,0001,869
Pre-tax net operating income$808,0003,099
Securities gains (losses)$22,0002,700
Applicable income taxes$40,0003,445
Income before extraordinary items$790,0002,884
Extraordinary gains, net$027
Net income$790,0002,880
Minority interest net income$0118
Net income of bank and minority interests.$790,0002,884
Net charge-offs$986,0002,219
Cash dividends$607,0001,776
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$769,1002,868
2009-06-30 (YTD Data)Rank
Total interest income$7,566,0002,274
Total interest expense$2,705,0002,274
Net interest income$4,861,0002,244
Provision for loan and lease losses$615,0002,660
Total noninterest income$1,152,0001,971
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$760,0001,116
Trading account gains and fees$0193
Additional Noninterest Income$392,0002,584
Total noninterest expense$5,054,0002,012
Salaries and employee benefits$2,497,0002,020
Premises and equipment expense$761,0001,815
Additional noninterest expense$1,796,0001,986
Pre-tax net operating income$344,0003,950
Securities gains (losses)$03,136
Applicable income taxes$-44,0006,987
Income before extraordinary items$388,0003,528
Extraordinary gains, net$021
Net income$388,0003,525
Minority interest net income$0112
Net income of bank and minority interests.$388,0003,526
Net charge-offs$695,0001,988
Cash dividends$432,0001,796
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$388,0003,411
2009-03-31 (YTD Data)Rank
Total interest income$3,769,0002,314
Total interest expense$1,423,0002,248
Net interest income$2,346,0002,321
Provision for loan and lease losses$284,0002,413
Total noninterest income$564,0001,956
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$366,0001,134
Trading account gains and fees$0171
Additional Noninterest Income$198,0002,529
Total noninterest expense$2,389,0002,068
Salaries and employee benefits$1,251,0002,043
Premises and equipment expense$392,0001,804
Additional noninterest expense$746,0002,106
Pre-tax net operating income$237,0003,741
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$237,0003,554
Extraordinary gains, net$015
Net income$237,0003,554
Minority interest net income$0102
Net income of bank and minority interests.$237,0003,555
Net charge-offs$418,0001,501
Cash dividends$216,0001,645
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$237,0003,408
2008-12-31 (YTD Data)Rank
Total interest income$16,294,0002,300
Total interest expense$6,274,0002,424
Net interest income$10,020,0002,221
Provision for loan and lease losses$1,127,0002,533
Total noninterest income$2,597,0001,755
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,680,0001,058
Trading account gains and fees$0154
Additional Noninterest Income$917,0002,256
Total noninterest expense$9,832,0001,962
Salaries and employee benefits$5,300,0001,907
Premises and equipment expense$1,531,0001,786
Additional noninterest expense$3,001,0002,010
Pre-tax net operating income$1,658,0002,844
Securities gains (losses)$03,220
Applicable income taxes$246,0002,621
Income before extraordinary items$1,412,0002,618
Extraordinary gains, net$039
Net income$1,412,0002,617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,056,0001,896
Cash dividends$1,050,0002,214
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$1,412,0002,771
2008-09-30 (YTD Data)Rank
Total interest income$12,380,0002,327
Total interest expense$4,758,0002,485
Net interest income$7,622,0002,206
Provision for loan and lease losses$625,0002,414
Total noninterest income$1,835,0001,891
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$1,266,0001,072
Trading account gains and fees$0148
Additional Noninterest Income$569,0002,604
Total noninterest expense$7,388,0001,945
Salaries and employee benefits$3,983,0001,940
Premises and equipment expense$1,151,0001,788
Additional noninterest expense$2,254,0001,937
Pre-tax net operating income$1,444,0002,919
Securities gains (losses)$03,106
Applicable income taxes$251,0002,662
Income before extraordinary items$1,193,0002,768
Extraordinary gains, net$031
Net income$1,193,0002,764
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$633,0001,700
Cash dividends$820,0002,068
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,193,0002,916
2008-06-30 (YTD Data)Rank
Total interest income$8,313,0002,349
Total interest expense$3,332,0002,464
Net interest income$4,981,0002,229
Provision for loan and lease losses$355,0002,305
Total noninterest income$1,178,0001,973
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$807,0001,097
Trading account gains and fees$0149
Additional Noninterest Income$371,0002,696
Total noninterest expense$4,964,0001,933
Salaries and employee benefits$2,650,0001,965
Premises and equipment expense$782,0001,750
Additional noninterest expense$1,532,0001,881
Pre-tax net operating income$840,0003,329
Securities gains (losses)$03,233
Applicable income taxes$124,0003,220
Income before extraordinary items$716,0003,282
Extraordinary gains, net$021
Net income$716,0003,281
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$341,0001,666
Cash dividends$570,0002,106
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$716,0003,220
2008-03-31 (YTD Data)Rank
Total interest income$4,227,0002,379
Total interest expense$1,847,0002,399
Net interest income$2,380,0002,313
Provision for loan and lease losses$135,0002,308
Total noninterest income$570,0002,037
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$374,0001,176
Trading account gains and fees$0158
Additional Noninterest Income$196,0002,610
Total noninterest expense$2,510,0001,904
Salaries and employee benefits$1,314,0002,007
Premises and equipment expense$411,0001,684
Additional noninterest expense$785,0001,799
Pre-tax net operating income$305,0004,115
Securities gains (losses)$02,688
Applicable income taxes$23,0004,277
Income before extraordinary items$282,0003,944
Extraordinary gains, net$015
Net income$282,0003,946
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$218,0001,203
Cash dividends$240,0002,136
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$282,0003,858
2007-12-31 (YTD Data)Rank
Total interest income$17,882,0002,299
Total interest expense$8,371,0002,242
Net interest income$9,511,0002,338
Provision for loan and lease losses$1,332,0001,156
Total noninterest income$2,148,0002,111
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,584,0001,127
Trading account gains and fees$0178
Additional Noninterest Income$564,0003,113
Total noninterest expense$11,123,0001,658
Salaries and employee benefits$5,783,0001,742
Premises and equipment expense$1,717,0001,546
Additional noninterest expense$3,623,0001,524
Pre-tax net operating income$-796,0007,963
Securities gains (losses)$02,146
Applicable income taxes$-555,0008,331
Income before extraordinary items$-241,0007,738
Extraordinary gains, net$039
Net income$-241,0007,736
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$936,0001,080
Cash dividends$1,441,0002,069
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-241,0007,721
2007-09-30 (YTD Data)Rank
Total interest income$13,424,0002,309
Total interest expense$6,285,0002,238
Net interest income$7,139,0002,347
Provision for loan and lease losses$952,000939
Total noninterest income$1,622,0002,101
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,169,0001,126
Trading account gains and fees$0184
Additional Noninterest Income$453,0003,005
Total noninterest expense$8,168,0001,686
Salaries and employee benefits$4,311,0001,747
Premises and equipment expense$1,290,0001,539
Additional noninterest expense$2,567,0001,581
Pre-tax net operating income$-359,0007,995
Securities gains (losses)$01,655
Applicable income taxes$-364,0008,401
Income before extraordinary items$5,0007,662
Extraordinary gains, net$033
Net income$5,0007,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$827,000746
Cash dividends$1,225,0001,750
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$5,0007,641
2007-06-30 (YTD Data)Rank
Total interest income$8,929,0002,331
Total interest expense$4,131,0002,272
Net interest income$4,798,0002,361
Provision for loan and lease losses$712,000770
Total noninterest income$1,084,0002,109
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$741,0001,195
Trading account gains and fees$0168
Additional Noninterest Income$343,0002,806
Total noninterest expense$5,484,0001,683
Salaries and employee benefits$2,887,0001,777
Premises and equipment expense$881,0001,527
Additional noninterest expense$1,716,0001,577
Pre-tax net operating income$-314,0008,167
Securities gains (losses)$01,444
Applicable income taxes$-253,0008,485
Income before extraordinary items$-61,0007,932
Extraordinary gains, net$029
Net income$-61,0007,931
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$797,000525
Cash dividends$909,0001,654
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-61,0007,924
2007-03-31 (YTD Data)Rank
Total interest income$4,448,0002,339
Total interest expense$2,051,0002,270
Net interest income$2,397,0002,368
Provision for loan and lease losses$277,000885
Total noninterest income$478,0002,274
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$309,0001,382
Trading account gains and fees$0195
Additional Noninterest Income$169,0002,811
Total noninterest expense$2,569,0001,797
Salaries and employee benefits$1,322,0001,944
Premises and equipment expense$448,0001,494
Additional noninterest expense$799,0001,684
Pre-tax net operating income$29,0007,545
Securities gains (losses)$01,187
Applicable income taxes$-60,0008,448
Income before extraordinary items$89,0006,564
Extraordinary gains, net$022
Net income$89,0006,563
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$315,000557
Cash dividends$543,0001,311
Sale, conversion, retirement of capital stock, net$0885
Net operating income$89,0006,552
2006-12-31 (YTD Data)Rank
Total interest income$19,151,0002,060
Total interest expense$8,488,0001,942
Net interest income$10,663,0002,169
Provision for loan and lease losses$435,0002,134
Total noninterest income$2,442,0001,917
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$1,374,0001,297
Trading account gains and fees$0130
Additional Noninterest Income$1,068,0002,123
Total noninterest expense$10,298,0001,735
Salaries and employee benefits$5,325,0001,831
Premises and equipment expense$1,417,0001,789
Additional noninterest expense$3,556,0001,485
Pre-tax net operating income$2,372,0003,252
Securities gains (losses)$01,687
Applicable income taxes$525,0003,087
Income before extraordinary items$1,847,0003,288
Extraordinary gains, net$051
Net income$1,847,0003,287
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,175,000601
Cash dividends$2,281,0001,383
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$1,847,0003,271
2006-09-30 (YTD Data)Rank
Total interest income$14,481,0002,038
Total interest expense$6,371,0001,886
Net interest income$8,110,0002,159
Provision for loan and lease losses$383,0001,762
Total noninterest income$1,833,0001,921
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$1,031,0001,299
Trading account gains and fees$0126
Additional Noninterest Income$802,0002,128
Total noninterest expense$7,832,0001,712
Salaries and employee benefits$4,111,0001,788
Premises and equipment expense$975,0001,946
Additional noninterest expense$2,746,0001,440
Pre-tax net operating income$1,728,0003,456
Securities gains (losses)$01,388
Applicable income taxes$370,0003,283
Income before extraordinary items$1,358,0003,419
Extraordinary gains, net$045
Net income$1,358,0003,421
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$927,000494
Cash dividends$1,860,0001,219
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,358,0003,413
2006-06-30 (YTD Data)Rank
Total interest income$9,715,0001,984
Total interest expense$4,148,0001,846
Net interest income$5,567,0002,099
Provision for loan and lease losses$285,0001,590
Total noninterest income$1,296,0001,844
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$683,0001,298
Trading account gains and fees$0126
Additional Noninterest Income$613,0001,927
Total noninterest expense$5,218,0001,713
Salaries and employee benefits$2,780,0001,759
Premises and equipment expense$594,0002,101
Additional noninterest expense$1,844,0001,438
Pre-tax net operating income$1,360,0003,087
Securities gains (losses)$01,185
Applicable income taxes$314,0002,984
Income before extraordinary items$1,046,0003,113
Extraordinary gains, net$039
Net income$1,046,0003,115
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$502,000560
Cash dividends$1,641,000972
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,046,0003,099
2006-03-31 (YTD Data)Rank
Total interest income$4,804,0001,977
Total interest expense$1,987,0001,836
Net interest income$2,817,0002,062
Provision for loan and lease losses$180,0001,225
Total noninterest income$679,0001,745
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$347,0001,238
Trading account gains and fees$0115
Additional Noninterest Income$332,0001,793
Total noninterest expense$2,636,0001,705
Salaries and employee benefits$1,412,0001,736
Premises and equipment expense$300,0002,103
Additional noninterest expense$924,0001,423
Pre-tax net operating income$680,0003,027
Securities gains (losses)$0955
Applicable income taxes$158,0002,959
Income before extraordinary items$522,0003,063
Extraordinary gains, net$021
Net income$522,0003,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$302,000463
Cash dividends$220,0002,296
Sale, conversion, retirement of capital stock, net$0648
Net operating income$522,0003,041
2005-12-31 (YTD Data)Rank
Total interest income$17,882,0001,880
Total interest expense$6,303,0001,797
Net interest income$11,579,0001,910
Provision for loan and lease losses$1,355,000788
Total noninterest income$2,444,0001,907
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$1,694,0001,047
Trading account gains and fees$0138
Additional Noninterest Income$750,0002,648
Total noninterest expense$10,534,0001,623
Salaries and employee benefits$5,301,0001,755
Premises and equipment expense$1,191,0002,014
Additional noninterest expense$4,042,0001,280
Pre-tax net operating income$2,134,0003,542
Securities gains (losses)$31,0001,097
Applicable income taxes$462,0003,490
Income before extraordinary items$1,703,0003,496
Extraordinary gains, net$046
Net income$1,703,0003,497
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,103,000627
Cash dividends$1,459,0001,868
Sale, conversion, retirement of capital stock, net$0934
Net operating income$1,678,5103,490
2005-09-30 (YTD Data)Rank
Total interest income$13,060,0001,883
Total interest expense$4,504,0001,781
Net interest income$8,556,0001,921
Provision for loan and lease losses$950,000793
Total noninterest income$1,825,0001,915
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$1,266,0001,045
Trading account gains and fees$0126
Additional Noninterest Income$559,0002,669
Total noninterest expense$7,565,0001,672
Salaries and employee benefits$3,888,0001,784
Premises and equipment expense$872,0002,042
Additional noninterest expense$2,805,0001,359
Pre-tax net operating income$1,866,0003,214
Securities gains (losses)$32,0001,037
Applicable income taxes$432,0003,196
Income before extraordinary items$1,466,0003,188
Extraordinary gains, net$035
Net income$1,466,0003,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$820,000572
Cash dividends$766,0002,174
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,441,3603,193
2005-06-30 (YTD Data)Rank
Total interest income$8,545,0001,868
Total interest expense$2,905,0001,740
Net interest income$5,640,0001,916
Provision for loan and lease losses$585,000854
Total noninterest income$1,167,0001,959
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$830,0001,039
Trading account gains and fees$0116
Additional Noninterest Income$337,0002,848
Total noninterest expense$5,032,0001,662
Salaries and employee benefits$2,597,0001,765
Premises and equipment expense$596,0001,992
Additional noninterest expense$1,839,0001,350
Pre-tax net operating income$1,190,0003,268
Securities gains (losses)$24,0001,040
Applicable income taxes$271,0003,281
Income before extraordinary items$943,0003,232
Extraordinary gains, net$030
Net income$943,0003,233
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$580,000534
Cash dividends$545,0002,084
Sale, conversion, retirement of capital stock, net$0643
Net operating income$924,2803,238
2005-03-31 (YTD Data)Rank
Total interest income$4,151,0001,874
Total interest expense$1,421,0001,685
Net interest income$2,730,0001,970
Provision for loan and lease losses$220,0001,052
Total noninterest income$548,0002,005
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$404,0001,023
Trading account gains and fees$0115
Additional Noninterest Income$144,0003,044
Total noninterest expense$2,526,0001,671
Salaries and employee benefits$1,330,0001,733
Premises and equipment expense$304,0001,976
Additional noninterest expense$892,0001,395
Pre-tax net operating income$532,0003,508
Securities gains (losses)$25,000720
Applicable income taxes$119,0003,485
Income before extraordinary items$438,0003,386
Extraordinary gains, net$024
Net income$438,0003,387
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$199,000685
Cash dividends$223,0002,095
Sale, conversion, retirement of capital stock, net$0491
Net operating income$418,2503,473
2004-12-31 (YTD Data)Rank
Total interest income$16,348,0001,749
Total interest expense$5,207,0001,576
Net interest income$11,141,0001,815
Provision for loan and lease losses$1,487,000726
Total noninterest income$2,250,0002,026
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,761,0001,007
Trading account gains and fees$0138
Additional Noninterest Income$489,0003,352
Total noninterest expense$10,036,0001,612
Salaries and employee benefits$5,135,0001,724
Premises and equipment expense$1,064,0002,151
Additional noninterest expense$3,837,0001,294
Pre-tax net operating income$1,868,0003,689
Securities gains (losses)$198,000834
Applicable income taxes$474,0003,437
Income before extraordinary items$1,592,0003,481
Extraordinary gains, net$034
Net income$1,592,0003,482
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,486,000577
Cash dividends$804,0002,698
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,439,5403,677
2004-09-30 (YTD Data)Rank
Total interest income$11,967,0001,770
Total interest expense$3,816,0001,586
Net interest income$8,151,0001,845
Provision for loan and lease losses$1,132,000688
Total noninterest income$1,697,0002,028
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,334,000998
Trading account gains and fees$0134
Additional Noninterest Income$363,0003,375
Total noninterest expense$7,367,0001,644
Salaries and employee benefits$3,709,0001,767
Premises and equipment expense$807,0002,127
Additional noninterest expense$2,851,0001,298
Pre-tax net operating income$1,349,0003,855
Securities gains (losses)$33,0001,968
Applicable income taxes$234,0004,203
Income before extraordinary items$1,148,0003,658
Extraordinary gains, net$026
Net income$1,148,0003,658
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,216,000496
Cash dividends$581,0002,470
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,120,6103,640
2004-06-30 (YTD Data)Rank
Total interest income$7,802,0001,800
Total interest expense$2,494,0001,590
Net interest income$5,308,0001,881
Provision for loan and lease losses$702,000726
Total noninterest income$1,138,0002,004
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$861,0001,028
Trading account gains and fees$0130
Additional Noninterest Income$277,0003,131
Total noninterest expense$4,828,0001,673
Salaries and employee benefits$2,410,0001,815
Premises and equipment expense$528,0002,161
Additional noninterest expense$1,890,0001,289
Pre-tax net operating income$916,0003,744
Securities gains (losses)$27,0001,860
Applicable income taxes$161,0004,136
Income before extraordinary items$782,0003,582
Extraordinary gains, net$021
Net income$782,0003,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$766,000525
Cash dividends$448,0002,317
Sale, conversion, retirement of capital stock, net$0638
Net operating income$759,5903,565
2004-03-31 (YTD Data)Rank
Total interest income$3,859,0001,823
Total interest expense$1,255,0001,601
Net interest income$2,604,0001,914
Provision for loan and lease losses$300,000782
Total noninterest income$573,0001,954
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$411,0001,044
Trading account gains and fees$0121
Additional Noninterest Income$162,0002,805
Total noninterest expense$2,338,0001,734
Salaries and employee benefits$1,161,0001,891
Premises and equipment expense$265,0002,173
Additional noninterest expense$912,0001,324
Pre-tax net operating income$539,0003,339
Securities gains (losses)$27,0001,550
Applicable income taxes$110,0003,630
Income before extraordinary items$456,0003,162
Extraordinary gains, net$016
Net income$456,0003,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$340,000558
Cash dividends$224,0002,052
Sale, conversion, retirement of capital stock, net$0464
Net operating income$434,1303,175
2003-12-31 (YTD Data)Rank
Total interest income$15,600,0001,821
Total interest expense$5,582,0001,613
Net interest income$10,018,0001,951
Provision for loan and lease losses$1,972,000660
Total noninterest income$2,750,0001,804
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,943,000884
Trading account gains and fees$0160
Additional Noninterest Income$807,0002,726
Total noninterest expense$9,403,0001,706
Salaries and employee benefits$4,954,0001,734
Premises and equipment expense$931,0002,414
Additional noninterest expense$3,518,0001,391
Pre-tax net operating income$1,393,0004,322
Securities gains (losses)$130,0001,670
Applicable income taxes$166,0005,161
Income before extraordinary items$1,357,0003,811
Extraordinary gains, net$054
Net income$1,357,0003,811
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,560,000663
Cash dividends$955,0002,406
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,241,3003,866
2003-09-30 (YTD Data)Rank
Total interest income$11,645,0001,872
Total interest expense$4,270,0001,652
Net interest income$7,375,0002,001
Provision for loan and lease losses$1,090,000826
Total noninterest income$2,182,0001,770
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,428,000910
Trading account gains and fees$0153
Additional Noninterest Income$754,0002,452
Total noninterest expense$6,817,0001,757
Salaries and employee benefits$3,488,0001,858
Premises and equipment expense$690,0002,449
Additional noninterest expense$2,639,0001,400
Pre-tax net operating income$1,650,0003,295
Securities gains (losses)$142,0001,463
Applicable income taxes$343,0003,680
Income before extraordinary items$1,449,0003,040
Extraordinary gains, net$040
Net income$1,449,0003,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,123,000639
Cash dividends$664,0002,241
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,333,9803,079
2003-06-30 (YTD Data)Rank
Total interest income$8,056,0001,807
Total interest expense$2,859,0001,705
Net interest income$5,197,0001,884
Provision for loan and lease losses$625,000950
Total noninterest income$1,082,0002,221
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$933,000918
Trading account gains and fees$0150
Additional Noninterest Income$149,0004,585
Total noninterest expense$4,569,0001,746
Salaries and employee benefits$2,329,0001,842
Premises and equipment expense$464,0002,405
Additional noninterest expense$1,776,0001,392
Pre-tax net operating income$1,085,0003,324
Securities gains (losses)$96,0001,544
Applicable income taxes$238,0003,644
Income before extraordinary items$943,0003,099
Extraordinary gains, net$030
Net income$943,0003,098
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$735,000645
Cash dividends$442,0002,322
Sale, conversion, retirement of capital stock, net$0589
Net operating income$866,2003,132
2003-03-31 (YTD Data)Rank
Total interest income$3,969,0001,851
Total interest expense$1,446,0001,728
Net interest income$2,523,0001,939
Provision for loan and lease losses$300,000910
Total noninterest income$526,0002,204
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$436,000954
Trading account gains and fees$0134
Additional Noninterest Income$90,0004,120
Total noninterest expense$2,290,0001,728
Salaries and employee benefits$1,182,0001,803
Premises and equipment expense$236,0002,359
Additional noninterest expense$872,0001,382
Pre-tax net operating income$459,0003,698
Securities gains (losses)$22,0001,846
Applicable income taxes$94,0004,051
Income before extraordinary items$387,0003,545
Extraordinary gains, net$021
Net income$387,0003,543
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$433,000546
Cash dividends$221,0002,099
Sale, conversion, retirement of capital stock, net$0419
Net operating income$369,4003,499
2002-12-31 (YTD Data)Rank
Total interest income$16,600,0001,856
Total interest expense$6,346,0001,801
Net interest income$10,254,0001,896
Provision for loan and lease losses$1,155,0001,177
Total noninterest income$2,174,0001,994
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,656,000971
Trading account gains and fees$0153
Additional Noninterest Income$518,0003,221
Total noninterest expense$8,997,0001,687
Salaries and employee benefits$4,523,0001,770
Premises and equipment expense$947,0002,301
Additional noninterest expense$3,527,0001,353
Pre-tax net operating income$2,276,0003,098
Securities gains (losses)$399,000755
Applicable income taxes$666,0002,937
Income before extraordinary items$2,009,0002,793
Extraordinary gains, net$070
Net income$2,009,0002,791
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$805,0001,153
Cash dividends$882,0002,469
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,709,7503,057
2001-12-31 (YTD Data)Rank
Total interest income$19,228,0001,771
Total interest expense$9,943,0001,627
Net interest income$9,285,0001,919
Provision for loan and lease losses$1,090,0001,174
Total noninterest income$2,040,0001,982
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,159,0001,288
Trading account gains and fees$0177
Additional Noninterest Income$881,0002,239
Total noninterest expense$8,650,0001,681
Salaries and employee benefits$4,227,0001,778
Premises and equipment expense$1,120,0001,913
Additional noninterest expense$3,303,0001,420
Pre-tax net operating income$1,585,0003,720
Securities gains (losses)$266,000969
Applicable income taxes$424,0003,625
Income before extraordinary items$1,427,0003,343
Extraordinary gains, net$0105
Net income$1,427,0003,347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,437,000724
Cash dividends$832,0002,563
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,222,1803,642
2000-12-31 (YTD Data)Rank
Total interest income$20,242,0001,711
Total interest expense$10,700,0001,595
Net interest income$9,542,0001,847
Provision for loan and lease losses$1,004,0001,056
Total noninterest income$1,725,0002,093
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$961,0001,415
Trading account gains and fees$0180
Additional Noninterest Income$764,0002,211
Total noninterest expense$8,280,0001,684
Salaries and employee benefits$4,145,0001,733
Premises and equipment expense$915,0002,252
Additional noninterest expense$3,220,0001,393
Pre-tax net operating income$1,983,0003,347
Securities gains (losses)$01,956
Applicable income taxes$483,0003,562
Income before extraordinary items$1,500,0003,257
Extraordinary gains, net$038
Net income$1,500,0003,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$415,0001,429
Cash dividends$819,0002,623
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,500,0003,249
1999-12-31 (YTD Data)Rank
Total interest income$17,850,0001,819
Total interest expense$8,632,0001,722
Net interest income$9,218,0001,903
Provision for loan and lease losses$495,0001,787
Total noninterest income$1,602,0002,197
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$978,0001,338
Trading account gains and fees$0173
Additional Noninterest Income$624,0002,562
Total noninterest expense$7,415,0001,869
Salaries and employee benefits$3,272,0002,148
Premises and equipment expense$810,0002,507
Additional noninterest expense$3,333,0001,386
Pre-tax net operating income$2,910,0002,482
Securities gains (losses)$58,000936
Applicable income taxes$823,0002,588
Income before extraordinary items$2,145,0002,431
Extraordinary gains, net$035
Net income$2,145,0002,431
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$164,0002,700
Cash dividends$798,0002,684
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,103,2402,427
1998-12-31 (YTD Data)Rank
Total interest income$13,986,0002,328
Total interest expense$7,237,0002,094
Net interest income$6,749,0002,515
Provision for loan and lease losses$457,0001,846
Total noninterest income$1,436,0002,340
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$786,0001,613
Trading account gains and fees$0224
Additional Noninterest Income$650,0002,510
Total noninterest expense$6,001,0002,177
Salaries and employee benefits$2,861,0002,362
Premises and equipment expense$567,0003,340
Additional noninterest expense$2,573,0001,663
Pre-tax net operating income$1,727,0003,759
Securities gains (losses)$420,000625
Applicable income taxes$426,0004,262
Income before extraordinary items$1,721,0002,903
Extraordinary gains, net$032
Net income$1,721,0002,904
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$364,0001,626
Cash dividends$820,0002,547
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,385,0003,375
1997-12-31 (YTD Data)Rank
Total interest income$14,078,0002,320
Total interest expense$7,324,0002,075
Net interest income$6,754,0002,575
Provision for loan and lease losses$613,0001,481
Total noninterest income$1,967,0001,790
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$722,0001,800
Trading account gains and fees$0239
Additional Noninterest Income$1,245,0001,511
Total noninterest expense$5,737,0002,251
Salaries and employee benefits$2,569,0002,574
Premises and equipment expense$566,0003,329
Additional noninterest expense$2,602,0001,642
Pre-tax net operating income$2,371,0003,050
Securities gains (losses)$151,000822
Applicable income taxes$605,0003,637
Income before extraordinary items$1,917,0002,684
Extraordinary gains, net$044
Net income$1,917,0002,683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$555,0001,247
Cash dividends$874,0002,434
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,802,2402,780
1996-12-31 (YTD Data)Rank
Total interest income$13,153,0002,540
Total interest expense$6,335,0002,432
Net interest income$6,818,0002,581
Provision for loan and lease losses$206,0003,341
Total noninterest income$1,073,0002,958
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$633,0002,136
Trading account gains and fees$0262
Additional Noninterest Income$440,0003,193
Total noninterest expense$5,961,0002,302
Salaries and employee benefits$2,507,0002,695
Premises and equipment expense$529,0003,610
Additional noninterest expense$2,925,0001,778
Pre-tax net operating income$1,724,0003,864
Securities gains (losses)$69,0001,150
Applicable income taxes$372,0005,123
Income before extraordinary items$1,421,0003,358
Extraordinary gains, net$053
Net income$1,421,0003,357
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$233,0002,444
Cash dividends$736,0002,664
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,366,4903,431
1995-12-31 (YTD Data)Rank
Total interest income$12,578,0002,660
Total interest expense$6,118,0002,503
Net interest income$6,460,0002,763
Provision for loan and lease losses$100,0004,579
Total noninterest income$801,0003,685
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$620,0002,183
Trading account gains and fees$0522
Additional Noninterest Income$181,0005,418
Total noninterest expense$5,184,0002,615
Salaries and employee benefits$2,261,0002,946
Premises and equipment expense$457,0004,069
Additional noninterest expense$2,466,0002,016
Pre-tax net operating income$1,977,0003,534
Securities gains (losses)$292,000521
Applicable income taxes$568,0003,804
Income before extraordinary items$1,701,0002,889
Extraordinary gains, net$065
Net income$1,701,0002,887
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,953
Cash dividends$641,0002,804
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,482,0003,259
1994-12-31 (YTD Data)Rank
Total interest income$11,031,0002,752
Total interest expense$4,800,0002,557
Net interest income$6,231,0002,900
Provision for loan and lease losses$235,0002,747
Total noninterest income$787,0003,776
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$562,0002,425
Trading account gains and fees$0475
Additional Noninterest Income$225,0004,885
Total noninterest expense$4,804,0002,871
Salaries and employee benefits$2,116,0003,115
Premises and equipment expense$397,0004,614
Additional noninterest expense$2,291,0002,299
Pre-tax net operating income$1,979,0003,452
Securities gains (losses)$-31,00010,677
Applicable income taxes$490,0004,119
Income before extraordinary items$1,458,0003,250
Extraordinary gains, net$0249
Net income$1,458,0003,266
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$425,0001,523
Cash dividends$556,0002,957
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,481,2503,236
1993-12-31 (YTD Data)Rank
Total interest income$10,415,0002,978
Total interest expense$4,845,0002,650
Net interest income$5,570,0003,235
Provision for loan and lease losses$51,0007,396
Total noninterest income$637,0004,758
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$478,0002,926
Trading account gains and fees$0532
Additional Noninterest Income$159,0006,378
Total noninterest expense$4,611,0003,054
Salaries and employee benefits$1,993,0003,298
Premises and equipment expense$400,0004,714
Additional noninterest expense$2,218,0002,503
Pre-tax net operating income$1,545,0004,204
Securities gains (losses)$336,0001,197
Applicable income taxes$428,0004,761
Income before extraordinary items$1,453,0003,336
Extraordinary gains, net$03,149
Net income$1,453,0003,438
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0008,052
Cash dividends$556,0002,822
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,194,2803,828
1992-12-31 (YTD Data)Rank
Total interest income$9,606,0003,633
Total interest expense$5,116,0003,251
Net interest income$4,490,0004,012
Provision for loan and lease losses$50,0009,026
Total noninterest income$471,0005,881
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$378,0003,675
Trading account gains and fees$0504
Additional Noninterest Income$93,0008,327
Total noninterest expense$3,833,0003,636
Salaries and employee benefits$1,675,0003,829
Premises and equipment expense$331,0005,584
Additional noninterest expense$1,827,0003,019
Pre-tax net operating income$1,078,0005,339
Securities gains (losses)$476,0001,127
Applicable income taxes$328,0005,597
Income before extraordinary items$1,226,0003,730
Extraordinary gains, net$01,422
Net income$1,226,0003,775
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$300,0003,333
Cash dividends$556,0002,555
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$849,9604,814

* 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.