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The F&M Bank & Trust Company, Income and Expense

2014-03-31 (YTD Data)Rank
Total interest income$20,300,000323
Total interest expense$1,899,000362
Net interest income$18,401,000321
Provision for loan and lease losses$9,994,00056
Total noninterest income$-795,0006,723
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$980,000361
Trading account gains and fees$0147
Additional Noninterest Income$-1,775,0006,729
Total noninterest expense$63,575,000117
Salaries and employee benefits$42,086,00081
Premises and equipment expense$8,072,000102
Additional noninterest expense$13,417,000183
Pre-tax net operating income$-55,963,0006,738
Securities gains (losses)$-623,0006,710
Applicable income taxes$-21,248,0006,729
Income before extraordinary items$-35,338,0006,729
Extraordinary gains, net$016
Net income$-35,338,0006,729
Minority interest net income$066
Net income of bank and minority interests.$-35,338,0006,729
Net charge-offs$-246,0006,618
Cash dividends$40,222,00043
Sale, conversion, retirement of capital stock, net$5,979,00021
Net operating income$-34,939,2806,729
2013-12-31 (YTD Data)Rank
Total interest income$94,265,000285
Total interest expense$8,781,000350
Net interest income$85,484,000285
Provision for loan and lease losses$350,0002,264
Total noninterest income$12,192,000573
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$3,802,000389
Trading account gains and fees$0184
Additional Noninterest Income$8,390,000550
Total noninterest expense$81,431,000287
Salaries and employee benefits$51,168,000226
Premises and equipment expense$8,625,000303
Additional noninterest expense$21,638,000354
Pre-tax net operating income$15,895,000518
Securities gains (losses)$10,0002,629
Applicable income taxes$6,655,000378
Income before extraordinary items$9,250,000695
Extraordinary gains, net$029
Net income$9,250,000695
Minority interest net income$090
Net income of bank and minority interests.$9,250,000695
Net charge-offs$1,379,000998
Cash dividends$8,000,000382
Sale, conversion, retirement of capital stock, net$9,485,00047
Net operating income$9,243,600669
2013-09-30 (YTD Data)Rank
Total interest income$71,597,000285
Total interest expense$6,738,000350
Net interest income$64,859,000280
Provision for loan and lease losses$350,0001,917
Total noninterest income$9,513,000578
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$2,789,000399
Trading account gains and fees$0180
Additional Noninterest Income$6,724,000536
Total noninterest expense$63,554,000273
Salaries and employee benefits$40,315,000206
Premises and equipment expense$6,491,000300
Additional noninterest expense$16,748,000341
Pre-tax net operating income$10,468,000589
Securities gains (losses)$10,0002,497
Applicable income taxes$3,883,000462
Income before extraordinary items$6,595,000730
Extraordinary gains, net$025
Net income$6,595,000730
Minority interest net income$084
Net income of bank and minority interests.$6,595,000732
Net charge-offs$1,756,000655
Cash dividends$6,000,000355
Sale, conversion, retirement of capital stock, net$7,431,00038
Net operating income$6,588,600709
2013-06-30 (YTD Data)Rank
Total interest income$47,608,000285
Total interest expense$4,555,000358
Net interest income$43,053,000280
Provision for loan and lease losses$350,0001,497
Total noninterest income$6,710,000564
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$1,815,000400
Trading account gains and fees$0157
Additional Noninterest Income$4,895,000513
Total noninterest expense$37,469,000309
Salaries and employee benefits$23,420,000249
Premises and equipment expense$4,377,000297
Additional noninterest expense$9,672,000386
Pre-tax net operating income$11,944,000382
Securities gains (losses)$02,791
Applicable income taxes$4,411,000308
Income before extraordinary items$7,533,000445
Extraordinary gains, net$022
Net income$7,533,000445
Minority interest net income$082
Net income of bank and minority interests.$7,533,000447
Net charge-offs$1,743,000508
Cash dividends$4,000,000349
Sale, conversion, retirement of capital stock, net$5,579,00038
Net operating income$7,533,000435
2013-03-31 (YTD Data)Rank
Total interest income$23,579,000290
Total interest expense$2,276,000365
Net interest income$21,303,000285
Provision for loan and lease losses$250,0001,141
Total noninterest income$3,508,000536
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$875,000403
Trading account gains and fees$0148
Additional Noninterest Income$2,633,000485
Total noninterest expense$18,654,000313
Salaries and employee benefits$11,787,000246
Premises and equipment expense$2,150,000303
Additional noninterest expense$4,717,000394
Pre-tax net operating income$5,907,000381
Securities gains (losses)$01,966
Applicable income taxes$2,159,000321
Income before extraordinary items$3,748,000450
Extraordinary gains, net$010
Net income$3,748,000450
Minority interest net income$076
Net income of bank and minority interests.$3,748,000451
Net charge-offs$709,000610
Cash dividends$2,000,000297
Sale, conversion, retirement of capital stock, net$2,446,00033
Net operating income$3,748,000435
2012-12-31 (YTD Data)Rank
Total interest income$90,201,000312
Total interest expense$9,792,000412
Net interest income$80,409,000299
Provision for loan and lease losses$11,074,000248
Total noninterest income$14,947,000508
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$3,188,000469
Trading account gains and fees$0166
Additional Noninterest Income$11,759,000441
Total noninterest expense$62,694,000364
Salaries and employee benefits$35,564,000308
Premises and equipment expense$7,914,000315
Additional noninterest expense$19,216,000407
Pre-tax net operating income$21,588,000411
Securities gains (losses)$376,0001,166
Applicable income taxes$7,226,000349
Income before extraordinary items$14,738,000452
Extraordinary gains, net$029
Net income$14,738,000451
Minority interest net income$093
Net income of bank and minority interests.$14,738,000451
Net charge-offs$5,170,000564
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$14,486,080448
2012-09-30 (YTD Data)Rank
Total interest income$66,144,000319
Total interest expense$7,479,000426
Net interest income$58,665,000307
Provision for loan and lease losses$8,770,000245
Total noninterest income$11,439,000490
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$2,343,000482
Trading account gains and fees$0157
Additional Noninterest Income$9,096,000425
Total noninterest expense$47,179,000359
Salaries and employee benefits$27,332,000305
Premises and equipment expense$5,635,000331
Additional noninterest expense$14,212,000413
Pre-tax net operating income$14,155,000453
Securities gains (losses)$213,0001,386
Applicable income taxes$5,169,000358
Income before extraordinary items$9,199,000547
Extraordinary gains, net$020
Net income$9,199,000546
Minority interest net income$086
Net income of bank and minority interests.$9,199,000547
Net charge-offs$4,702,000485
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$9,062,680527
2012-06-30 (YTD Data)Rank
Total interest income$41,783,000339
Total interest expense$5,014,000437
Net interest income$36,769,000325
Provision for loan and lease losses$4,754,000310
Total noninterest income$7,271,000501
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$1,541,000484
Trading account gains and fees$0153
Additional Noninterest Income$5,730,000427
Total noninterest expense$31,302,000356
Salaries and employee benefits$18,514,000298
Premises and equipment expense$3,575,000350
Additional noninterest expense$9,213,000415
Pre-tax net operating income$7,984,000501
Securities gains (losses)$213,0001,063
Applicable income taxes$2,942,000392
Income before extraordinary items$5,255,000607
Extraordinary gains, net$019
Net income$5,255,000606
Minority interest net income$084
Net income of bank and minority interests.$5,255,000607
Net charge-offs$1,865,000727
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$5,118,680599
2012-03-31 (YTD Data)Rank
Total interest income$20,045,000349
Total interest expense$2,530,000457
Net interest income$17,515,000338
Provision for loan and lease losses$1,794,000400
Total noninterest income$3,653,000498
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$767,000476
Trading account gains and fees$0148
Additional Noninterest Income$2,886,000426
Total noninterest expense$15,299,000361
Salaries and employee benefits$9,324,000292
Premises and equipment expense$2,090,000301
Additional noninterest expense$3,885,000466
Pre-tax net operating income$4,075,000495
Securities gains (losses)$02,210
Applicable income taxes$1,578,000370
Income before extraordinary items$2,497,000621
Extraordinary gains, net$019
Net income$2,497,000622
Minority interest net income$078
Net income of bank and minority interests.$2,497,000622
Net charge-offs$2,005,000406
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$2,497,000610
2011-12-31 (YTD Data)Rank
Total interest income$70,919,000393
Total interest expense$10,260,000554
Net interest income$60,659,000370
Provision for loan and lease losses$29,954,000169
Total noninterest income$14,335,000476
Gross Fiduciary activities income$117,000822
Service charges on deposit accounts$3,112,000488
Trading account gains and fees$0146
Additional Noninterest Income$11,106,000397
Total noninterest expense$57,909,000373
Salaries and employee benefits$30,390,000335
Premises and equipment expense$7,404,000351
Additional noninterest expense$20,115,000391
Pre-tax net operating income$-12,869,0007,250
Securities gains (losses)$-63,0007,048
Applicable income taxes$-5,291,0007,316
Income before extraordinary items$-7,641,0007,160
Extraordinary gains, net$1,625,00011
Net income$-6,844,0007,136
Minority interest net income$828,00035
Net income of bank and minority interests.$-6,016,0007,112
Net charge-offs$23,337,000222
Cash dividends$3,600,000571
Sale, conversion, retirement of capital stock, net$-34,0007,279
Net operating income$-7,600,6807,152
2011-09-30 (YTD Data)Rank
Total interest income$51,648,000411
Total interest expense$7,626,000584
Net interest income$44,022,000378
Provision for loan and lease losses$20,661,000173
Total noninterest income$10,931,000464
Gross Fiduciary activities income$102,000794
Service charges on deposit accounts$2,324,000495
Trading account gains and fees$0145
Additional Noninterest Income$8,505,000395
Total noninterest expense$39,284,000402
Salaries and employee benefits$20,257,000379
Premises and equipment expense$5,172,000380
Additional noninterest expense$13,855,000419
Pre-tax net operating income$-4,992,0007,230
Securities gains (losses)$207,0001,193
Applicable income taxes$-1,356,0007,333
Income before extraordinary items$-3,429,0007,186
Extraordinary gains, net$021
Net income$-4,091,0007,215
Minority interest net income$662,00032
Net income of bank and minority interests.$-3,429,0007,186
Net charge-offs$18,051,000212
Cash dividends$3,600,000379
Sale, conversion, retirement of capital stock, net$-94,0007,387
Net operating income$-3,578,0407,181
2011-06-30 (YTD Data)Rank
Total interest income$33,803,000425
Total interest expense$4,943,000636
Net interest income$28,860,000387
Provision for loan and lease losses$4,598,000478
Total noninterest income$8,142,000436
Gross Fiduciary activities income$71,000794
Service charges on deposit accounts$1,578,000485
Trading account gains and fees$0153
Additional Noninterest Income$6,493,000355
Total noninterest expense$25,650,000416
Salaries and employee benefits$13,047,000390
Premises and equipment expense$3,678,000362
Additional noninterest expense$8,925,000437
Pre-tax net operating income$6,754,000493
Securities gains (losses)$-55,0007,246
Applicable income taxes$2,450,000401
Income before extraordinary items$4,249,000614
Extraordinary gains, net$015
Net income$3,809,000684
Minority interest net income$440,00033
Net income of bank and minority interests.$4,249,000614
Net charge-offs$3,107,000672
Cash dividends$2,800,000330
Sale, conversion, retirement of capital stock, net$-735,0007,504
Net operating income$4,284,200591
2011-03-31 (YTD Data)Rank
Total interest income$16,536,000430
Total interest expense$2,408,000684
Net interest income$14,128,000393
Provision for loan and lease losses$2,689,000408
Total noninterest income$3,706,000458
Gross Fiduciary activities income$32,000825
Service charges on deposit accounts$789,000475
Trading account gains and fees$0158
Additional Noninterest Income$2,885,000389
Total noninterest expense$11,923,000441
Salaries and employee benefits$6,347,000398
Premises and equipment expense$1,397,000481
Additional noninterest expense$4,179,000451
Pre-tax net operating income$3,222,000520
Securities gains (losses)$210,000328
Applicable income taxes$1,169,000410
Income before extraordinary items$2,263,000581
Extraordinary gains, net$09
Net income$2,144,000610
Minority interest net income$119,00046
Net income of bank and minority interests.$2,263,000581
Net charge-offs$1,394,000681
Cash dividends$1,400,000293
Sale, conversion, retirement of capital stock, net$-735,0007,569
Net operating income$2,124,400600
2010-12-31 (YTD Data)Rank
Total interest income$60,779,000489
Total interest expense$9,614,000860
Net interest income$51,165,000435
Provision for loan and lease losses$7,781,000821
Total noninterest income$16,255,000454
Gross Fiduciary activities income$190,000773
Service charges on deposit accounts$3,691,000416
Trading account gains and fees$0175
Additional Noninterest Income$12,374,000394
Total noninterest expense$49,514,000438
Salaries and employee benefits$26,163,000377
Premises and equipment expense$4,772,000533
Additional noninterest expense$18,579,000431
Pre-tax net operating income$10,125,000542
Securities gains (losses)$358,0001,116
Applicable income taxes$2,876,000557
Income before extraordinary items$7,607,000585
Extraordinary gains, net$029
Net income$6,739,000667
Minority interest net income$868,00033
Net income of bank and minority interests.$7,607,000585
Net charge-offs$6,698,000818
Cash dividends$3,995,000420
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$7,345,660582
2010-09-30 (YTD Data)Rank
Total interest income$44,046,000503
Total interest expense$7,243,000893
Net interest income$36,803,000450
Provision for loan and lease losses$5,381,000825
Total noninterest income$12,178,000442
Gross Fiduciary activities income$154,000747
Service charges on deposit accounts$2,819,000406
Trading account gains and fees$0165
Additional Noninterest Income$9,205,000385
Total noninterest expense$36,459,000427
Salaries and employee benefits$18,975,000379
Premises and equipment expense$3,710,000513
Additional noninterest expense$13,774,000421
Pre-tax net operating income$7,141,000596
Securities gains (losses)$36,0002,626
Applicable income taxes$2,279,000533
Income before extraordinary items$4,898,000713
Extraordinary gains, net$023
Net income$4,229,000819
Minority interest net income$669,00034
Net income of bank and minority interests.$4,898,000713
Net charge-offs$3,169,0001,096
Cash dividends$2,795,000396
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$4,873,520677
2010-06-30 (YTD Data)Rank
Total interest income$28,705,000521
Total interest expense$5,066,000878
Net interest income$23,639,000463
Provision for loan and lease losses$3,588,000828
Total noninterest income$7,986,000443
Gross Fiduciary activities income$119,000714
Service charges on deposit accounts$1,909,000403
Trading account gains and fees$0152
Additional Noninterest Income$5,958,000378
Total noninterest expense$23,591,000435
Salaries and employee benefits$12,328,000383
Premises and equipment expense$2,436,000526
Additional noninterest expense$8,827,000429
Pre-tax net operating income$4,446,000628
Securities gains (losses)$36,0002,082
Applicable income taxes$1,467,000509
Income before extraordinary items$3,015,000744
Extraordinary gains, net$019
Net income$2,633,000842
Minority interest net income$382,00038
Net income of bank and minority interests.$3,015,000744
Net charge-offs$610,0002,222
Cash dividends$1,895,000380
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,990,880725
2010-03-31 (YTD Data)Rank
Total interest income$14,331,000539
Total interest expense$2,754,000842
Net interest income$11,577,000478
Provision for loan and lease losses$1,692,000834
Total noninterest income$3,970,000438
Gross Fiduciary activities income$80,000655
Service charges on deposit accounts$949,000400
Trading account gains and fees$0175
Additional Noninterest Income$2,941,000377
Total noninterest expense$11,679,000440
Salaries and employee benefits$5,960,000405
Premises and equipment expense$1,140,000585
Additional noninterest expense$4,579,000406
Pre-tax net operating income$2,176,000628
Securities gains (losses)$23,0001,463
Applicable income taxes$724,000499
Income before extraordinary items$1,475,000751
Extraordinary gains, net$016
Net income$1,369,000806
Minority interest net income$106,00044
Net income of bank and minority interests.$1,475,000755
Net charge-offs$298,0002,035
Cash dividends$935,000369
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,459,590724
2009-12-31 (YTD Data)Rank
Total interest income$59,629,000549
Total interest expense$14,741,000792
Net interest income$44,888,000480
Provision for loan and lease losses$8,500,000987
Total noninterest income$17,349,000426
Gross Fiduciary activities income$171,000792
Service charges on deposit accounts$4,079,000408
Trading account gains and fees$0211
Additional Noninterest Income$13,099,000377
Total noninterest expense$43,679,000494
Salaries and employee benefits$21,218,000454
Premises and equipment expense$4,779,000555
Additional noninterest expense$17,682,000484
Pre-tax net operating income$10,058,000422
Securities gains (losses)$-393,0007,545
Applicable income taxes$3,040,000393
Income before extraordinary items$6,625,000514
Extraordinary gains, net$034
Net income$5,777,000579
Minority interest net income$848,00034
Net income of bank and minority interests.$6,625,000516
Net charge-offs$8,432,000780
Cash dividends$4,407,000399
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$6,896,170485
2009-09-30 (YTD Data)Rank
Total interest income$43,568,000578
Total interest expense$11,556,000790
Net interest income$32,012,000510
Provision for loan and lease losses$2,000,0001,898
Total noninterest income$13,178,000433
Gross Fiduciary activities income$136,000774
Service charges on deposit accounts$3,067,000408
Trading account gains and fees$0212
Additional Noninterest Income$9,975,000372
Total noninterest expense$32,454,000501
Salaries and employee benefits$15,757,000469
Premises and equipment expense$3,581,000563
Additional noninterest expense$13,116,000463
Pre-tax net operating income$10,736,000305
Securities gains (losses)$-308,0007,662
Applicable income taxes$3,518,000294
Income before extraordinary items$6,910,000382
Extraordinary gains, net$027
Net income$6,306,000417
Minority interest net income$604,00039
Net income of bank and minority interests.$6,910,000382
Net charge-offs$2,259,0001,402
Cash dividends$3,000,000406
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$7,113,280365
2009-06-30 (YTD Data)Rank
Total interest income$28,757,000599
Total interest expense$8,132,000795
Net interest income$20,625,000529
Provision for loan and lease losses$1,250,0001,805
Total noninterest income$8,739,000436
Gross Fiduciary activities income$75,000816
Service charges on deposit accounts$2,005,000416
Trading account gains and fees$0193
Additional Noninterest Income$6,659,000377
Total noninterest expense$21,717,000506
Salaries and employee benefits$10,351,000487
Premises and equipment expense$2,400,000575
Additional noninterest expense$8,966,000463
Pre-tax net operating income$6,397,000345
Securities gains (losses)$-308,0007,852
Applicable income taxes$2,137,000328
Income before extraordinary items$3,952,000444
Extraordinary gains, net$021
Net income$3,558,000487
Minority interest net income$394,00040
Net income of bank and minority interests.$3,952,000444
Net charge-offs$1,399,0001,393
Cash dividends$1,800,000492
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$4,152,200402
2009-03-31 (YTD Data)Rank
Total interest income$14,116,000615
Total interest expense$4,335,000771
Net interest income$9,781,000555
Provision for loan and lease losses$750,0001,392
Total noninterest income$4,034,000435
Gross Fiduciary activities income$36,000829
Service charges on deposit accounts$979,000416
Trading account gains and fees$0171
Additional Noninterest Income$3,019,000365
Total noninterest expense$10,720,000489
Salaries and employee benefits$5,062,000504
Premises and equipment expense$1,277,000549
Additional noninterest expense$4,381,000416
Pre-tax net operating income$2,345,000504
Securities gains (losses)$-59,0007,955
Applicable income taxes$767,000436
Income before extraordinary items$1,519,000673
Extraordinary gains, net$015
Net income$1,519,000672
Minority interest net income$0102
Net income of bank and minority interests.$1,519,000675
Net charge-offs$1,138,000887
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,557,940613
2008-12-31 (YTD Data)Rank
Total interest income$65,865,000565
Total interest expense$24,798,000647
Net interest income$41,067,000538
Provision for loan and lease losses$6,500,000831
Total noninterest income$16,229,000418
Gross Fiduciary activities income$187,000793
Service charges on deposit accounts$3,755,000454
Trading account gains and fees$0154
Additional Noninterest Income$12,287,000332
Total noninterest expense$43,292,000475
Salaries and employee benefits$20,610,000465
Premises and equipment expense$4,942,000557
Additional noninterest expense$17,740,000424
Pre-tax net operating income$7,504,000743
Securities gains (losses)$-1,408,0007,812
Applicable income taxes$1,483,000876
Income before extraordinary items$4,613,000880
Extraordinary gains, net$039
Net income$4,613,000880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,749,000724
Cash dividends$5,100,000550
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$5,683,080764
2008-09-30 (YTD Data)Rank
Total interest income$50,657,000576
Total interest expense$19,343,000647
Net interest income$31,314,000534
Provision for loan and lease losses$1,825,0001,254
Total noninterest income$12,288,000434
Gross Fiduciary activities income$124,000814
Service charges on deposit accounts$2,732,000481
Trading account gains and fees$0148
Additional Noninterest Income$9,432,000358
Total noninterest expense$32,933,000465
Salaries and employee benefits$16,248,000462
Premises and equipment expense$3,673,000567
Additional noninterest expense$13,012,000403
Pre-tax net operating income$8,844,000569
Securities gains (losses)$91,0001,035
Applicable income taxes$2,660,000510
Income before extraordinary items$6,275,000578
Extraordinary gains, net$031
Net income$6,275,000577
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$744,0001,562
Cash dividends$3,600,000619
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$6,211,300615
2008-06-30 (YTD Data)Rank
Total interest income$34,496,000572
Total interest expense$13,594,000635
Net interest income$20,902,000534
Provision for loan and lease losses$1,225,0001,079
Total noninterest income$8,010,000461
Gross Fiduciary activities income$78,000838
Service charges on deposit accounts$1,752,000484
Trading account gains and fees$0149
Additional Noninterest Income$6,180,000373
Total noninterest expense$21,896,000466
Salaries and employee benefits$10,859,000467
Premises and equipment expense$3,399,000415
Additional noninterest expense$7,638,000438
Pre-tax net operating income$5,791,000617
Securities gains (losses)$80,0001,125
Applicable income taxes$1,729,000582
Income before extraordinary items$4,142,000664
Extraordinary gains, net$021
Net income$4,142,000663
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$103,0002,994
Cash dividends$2,100,000752
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$4,085,200657
2008-03-31 (YTD Data)Rank
Total interest income$18,053,000561
Total interest expense$7,495,000621
Net interest income$10,558,000522
Provision for loan and lease losses$375,0001,195
Total noninterest income$3,955,000473
Gross Fiduciary activities income$39,000851
Service charges on deposit accounts$851,000490
Trading account gains and fees$0158
Additional Noninterest Income$3,065,000387
Total noninterest expense$10,775,000467
Salaries and employee benefits$5,527,000466
Premises and equipment expense$1,703,000418
Additional noninterest expense$3,545,000447
Pre-tax net operating income$3,363,000584
Securities gains (losses)$26,0001,452
Applicable income taxes$944,000611
Income before extraordinary items$2,445,000620
Extraordinary gains, net$015
Net income$2,445,000621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-153,0008,449
Cash dividends$600,0001,164
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$2,426,280600
2007-12-31 (YTD Data)Rank
Total interest income$88,701,000493
Total interest expense$35,007,000576
Net interest income$53,694,000434
Provision for loan and lease losses$22,300,000144
Total noninterest income$14,560,000469
Gross Fiduciary activities income$90,000934
Service charges on deposit accounts$3,092,000564
Trading account gains and fees$0178
Additional Noninterest Income$11,378,000379
Total noninterest expense$39,805,000487
Salaries and employee benefits$19,943,000487
Premises and equipment expense$6,293,000423
Additional noninterest expense$13,569,000462
Pre-tax net operating income$6,149,0001,364
Securities gains (losses)$-341,0008,322
Applicable income taxes$429,0002,936
Income before extraordinary items$5,379,0001,191
Extraordinary gains, net$039
Net income$5,379,0001,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,896,000100
Cash dividends$8,615,000470
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$5,696,1301,118
2007-09-30 (YTD Data)Rank
Total interest income$67,673,000487
Total interest expense$26,514,000569
Net interest income$41,159,000426
Provision for loan and lease losses$300,0002,302
Total noninterest income$10,699,000482
Gross Fiduciary activities income$71,000920
Service charges on deposit accounts$2,276,000566
Trading account gains and fees$0184
Additional Noninterest Income$8,352,000395
Total noninterest expense$30,413,000470
Salaries and employee benefits$15,695,000473
Premises and equipment expense$4,648,000429
Additional noninterest expense$10,070,000448
Pre-tax net operating income$21,145,000398
Securities gains (losses)$124,000449
Applicable income taxes$7,101,000373
Income before extraordinary items$14,168,000406
Extraordinary gains, net$033
Net income$14,168,000404
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,593,000329
Cash dividends$5,910,000494
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$14,084,920402
2007-06-30 (YTD Data)Rank
Total interest income$44,876,000502
Total interest expense$17,501,000586
Net interest income$27,375,000439
Provision for loan and lease losses$06,209
Total noninterest income$7,082,000502
Gross Fiduciary activities income$50,000931
Service charges on deposit accounts$1,471,000589
Trading account gains and fees$0168
Additional Noninterest Income$5,561,000408
Total noninterest expense$20,183,000484
Salaries and employee benefits$10,332,000496
Premises and equipment expense$3,058,000447
Additional noninterest expense$6,793,000455
Pre-tax net operating income$14,274,000423
Securities gains (losses)$106,000402
Applicable income taxes$4,768,000399
Income before extraordinary items$9,612,000443
Extraordinary gains, net$029
Net income$9,612,000442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$666,000592
Cash dividends$3,450,000583
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$9,540,980432
2007-03-31 (YTD Data)Rank
Total interest income$22,020,000508
Total interest expense$8,686,000584
Net interest income$13,334,000447
Provision for loan and lease losses$05,779
Total noninterest income$3,410,000506
Gross Fiduciary activities income$29,000914
Service charges on deposit accounts$741,000563
Trading account gains and fees$0195
Additional Noninterest Income$2,640,000415
Total noninterest expense$9,881,000495
Salaries and employee benefits$5,096,000503
Premises and equipment expense$1,576,000436
Additional noninterest expense$3,209,000461
Pre-tax net operating income$6,863,000430
Securities gains (losses)$4,000855
Applicable income taxes$2,184,000424
Income before extraordinary items$4,683,000438
Extraordinary gains, net$022
Net income$4,683,000437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0001,312
Cash dividends$900,000881
Sale, conversion, retirement of capital stock, net$0885
Net operating income$4,680,280432
2006-12-31 (YTD Data)Rank
Total interest income$86,799,000480
Total interest expense$30,930,000560
Net interest income$55,869,000412
Provision for loan and lease losses$4,040,000298
Total noninterest income$12,123,000535
Gross Fiduciary activities income$144,000875
Service charges on deposit accounts$3,160,000540
Trading account gains and fees$0130
Additional Noninterest Income$8,819,000451
Total noninterest expense$37,307,000499
Salaries and employee benefits$19,481,000483
Premises and equipment expense$4,530,000557
Additional noninterest expense$13,296,000437
Pre-tax net operating income$26,645,000446
Securities gains (losses)$115,000505
Applicable income taxes$9,060,000417
Income before extraordinary items$17,700,000473
Extraordinary gains, net$051
Net income$17,700,000472
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,442,000329
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$17,624,100460
2006-09-30 (YTD Data)Rank
Total interest income$64,282,000486
Total interest expense$22,564,000567
Net interest income$41,718,000430
Provision for loan and lease losses$2,090,000384
Total noninterest income$8,807,000556
Gross Fiduciary activities income$113,000860
Service charges on deposit accounts$2,426,000530
Trading account gains and fees$0126
Additional Noninterest Income$6,268,000486
Total noninterest expense$27,396,000523
Salaries and employee benefits$14,519,000504
Premises and equipment expense$3,166,000614
Additional noninterest expense$9,711,000454
Pre-tax net operating income$21,039,000451
Securities gains (losses)$128,000392
Applicable income taxes$7,154,000433
Income before extraordinary items$14,013,000472
Extraordinary gains, net$045
Net income$14,013,000471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,110,000265
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$13,928,520464
2006-06-30 (YTD Data)Rank
Total interest income$41,642,000488
Total interest expense$14,275,000569
Net interest income$27,367,000440
Provision for loan and lease losses$1,540,000334
Total noninterest income$5,808,000564
Gross Fiduciary activities income$79,000856
Service charges on deposit accounts$1,613,000528
Trading account gains and fees$0126
Additional Noninterest Income$4,116,000487
Total noninterest expense$17,884,000539
Salaries and employee benefits$9,528,000523
Premises and equipment expense$1,956,000682
Additional noninterest expense$6,400,000461
Pre-tax net operating income$13,751,000454
Securities gains (losses)$102,000352
Applicable income taxes$4,668,000442
Income before extraordinary items$9,185,000474
Extraordinary gains, net$039
Net income$9,185,000473
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,570,000249
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$9,117,680466
2006-03-31 (YTD Data)Rank
Total interest income$19,918,000492
Total interest expense$6,637,000577
Net interest income$13,281,000447
Provision for loan and lease losses$665,000375
Total noninterest income$2,841,000562
Gross Fiduciary activities income$42,000845
Service charges on deposit accounts$783,000524
Trading account gains and fees$0115
Additional Noninterest Income$2,016,000496
Total noninterest expense$8,753,000539
Salaries and employee benefits$4,610,000541
Premises and equipment expense$1,063,000607
Additional noninterest expense$3,080,000475
Pre-tax net operating income$6,704,000455
Securities gains (losses)$52,000338
Applicable income taxes$2,240,000450
Income before extraordinary items$4,516,000476
Extraordinary gains, net$021
Net income$4,516,000475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-195,0008,720
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$4,481,160470
2005-12-31 (YTD Data)Rank
Total interest income$68,544,000503
Total interest expense$20,553,000569
Net interest income$47,991,000467
Provision for loan and lease losses$2,725,000394
Total noninterest income$11,465,000567
Gross Fiduciary activities income$171,000840
Service charges on deposit accounts$3,243,000524
Trading account gains and fees$540,00077
Additional Noninterest Income$7,511,000514
Total noninterest expense$34,342,000531
Salaries and employee benefits$17,967,000516
Premises and equipment expense$3,920,000625
Additional noninterest expense$12,455,000464
Pre-tax net operating income$22,389,000491
Securities gains (losses)$448,000301
Applicable income taxes$7,363,000482
Income before extraordinary items$15,474,000504
Extraordinary gains, net$046
Net income$15,474,000504
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$430,0001,317
Cash dividends$10,200,000376
Sale, conversion, retirement of capital stock, net$0934
Net operating income$15,169,360499
2005-09-30 (YTD Data)Rank
Total interest income$48,941,000513
Total interest expense$14,032,000580
Net interest income$34,909,000470
Provision for loan and lease losses$2,100,000362
Total noninterest income$8,769,000561
Gross Fiduciary activities income$135,000805
Service charges on deposit accounts$2,440,000519
Trading account gains and fees$540,00070
Additional Noninterest Income$5,654,000518
Total noninterest expense$25,518,000533
Salaries and employee benefits$13,346,000513
Premises and equipment expense$2,864,000637
Additional noninterest expense$9,308,000461
Pre-tax net operating income$16,060,000511
Securities gains (losses)$431,000291
Applicable income taxes$5,328,000500
Income before extraordinary items$11,163,000517
Extraordinary gains, net$035
Net income$11,163,000516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,125,000452
Cash dividends$5,400,000440
Sale, conversion, retirement of capital stock, net$0769
Net operating income$10,869,920515
2005-06-30 (YTD Data)Rank
Total interest income$30,510,000533
Total interest expense$8,172,000616
Net interest income$22,338,000484
Provision for loan and lease losses$1,280,000389
Total noninterest income$6,382,000526
Gross Fiduciary activities income$90,000821
Service charges on deposit accounts$1,623,000510
Trading account gains and fees$540,00063
Additional Noninterest Income$4,129,000479
Total noninterest expense$17,369,000521
Salaries and employee benefits$9,135,000503
Premises and equipment expense$1,885,000639
Additional noninterest expense$6,349,000451
Pre-tax net operating income$10,071,000525
Securities gains (losses)$327,000319
Applicable income taxes$3,195,000532
Income before extraordinary items$7,203,000527
Extraordinary gains, net$030
Net income$7,203,000527
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$486,000615
Cash dividends$3,450,000450
Sale, conversion, retirement of capital stock, net$0643
Net operating income$6,977,370524
2005-03-31 (YTD Data)Rank
Total interest income$14,317,000552
Total interest expense$3,614,000667
Net interest income$10,703,000497
Provision for loan and lease losses$570,000421
Total noninterest income$2,937,000536
Gross Fiduciary activities income$49,000815
Service charges on deposit accounts$799,000502
Trading account gains and fees$91,00084
Additional Noninterest Income$1,998,000472
Total noninterest expense$8,616,000517
Salaries and employee benefits$4,513,000498
Premises and equipment expense$1,014,000585
Additional noninterest expense$3,089,000454
Pre-tax net operating income$4,454,000575
Securities gains (losses)$160,000291
Applicable income taxes$1,418,000581
Income before extraordinary items$3,196,000581
Extraordinary gains, net$024
Net income$3,196,000581
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0007,933
Cash dividends$1,950,000384
Sale, conversion, retirement of capital stock, net$0491
Net operating income$3,085,600578
2004-12-31 (YTD Data)Rank
Total interest income$47,264,000603
Total interest expense$9,911,000820
Net interest income$37,353,000553
Provision for loan and lease losses$2,775,000409
Total noninterest income$12,854,000513
Gross Fiduciary activities income$181,000815
Service charges on deposit accounts$3,819,000467
Trading account gains and fees$1,391,00065
Additional Noninterest Income$7,463,000501
Total noninterest expense$33,327,000526
Salaries and employee benefits$17,648,000507
Premises and equipment expense$3,729,000623
Additional noninterest expense$11,950,000471
Pre-tax net operating income$14,105,000647
Securities gains (losses)$461,000480
Applicable income taxes$4,514,000644
Income before extraordinary items$10,052,000661
Extraordinary gains, net$034
Net income$10,052,000662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,498,000393
Cash dividends$5,640,000557
Sale, conversion, retirement of capital stock, net$0872
Net operating income$9,733,910660
2004-09-30 (YTD Data)Rank
Total interest income$33,883,000619
Total interest expense$7,041,000833
Net interest income$26,842,000565
Provision for loan and lease losses$2,000,000417
Total noninterest income$9,784,000518
Gross Fiduciary activities income$134,000812
Service charges on deposit accounts$2,993,000450
Trading account gains and fees$1,129,00062
Additional Noninterest Income$5,528,000504
Total noninterest expense$24,683,000526
Salaries and employee benefits$13,154,000509
Premises and equipment expense$2,739,000632
Additional noninterest expense$8,790,000475
Pre-tax net operating income$9,943,000689
Securities gains (losses)$285,000622
Applicable income taxes$3,099,000701
Income before extraordinary items$7,129,000711
Extraordinary gains, net$026
Net income$7,129,000712
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,517,000422
Cash dividends$3,840,000577
Sale, conversion, retirement of capital stock, net$0738
Net operating income$6,929,500702
2004-06-30 (YTD Data)Rank
Total interest income$21,190,000647
Total interest expense$4,593,000844
Net interest income$16,597,000597
Provision for loan and lease losses$600,000825
Total noninterest income$6,308,000526
Gross Fiduciary activities income$89,000821
Service charges on deposit accounts$2,051,000426
Trading account gains and fees$487,00077
Additional Noninterest Income$3,681,000520
Total noninterest expense$16,083,000532
Salaries and employee benefits$8,592,000520
Premises and equipment expense$1,737,000666
Additional noninterest expense$5,754,000478
Pre-tax net operating income$6,222,000725
Securities gains (losses)$111,000965
Applicable income taxes$1,925,000743
Income before extraordinary items$4,408,000756
Extraordinary gains, net$021
Net income$4,408,000756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$262,0001,139
Cash dividends$2,190,000652
Sale, conversion, retirement of capital stock, net$0638
Net operating income$4,330,300727
2004-03-31 (YTD Data)Rank
Total interest income$10,514,000662
Total interest expense$2,340,000853
Net interest income$8,174,000604
Provision for loan and lease losses$300,000782
Total noninterest income$2,972,000547
Gross Fiduciary activities income$43,000840
Service charges on deposit accounts$1,046,000409
Trading account gains and fees$115,00079
Additional Noninterest Income$1,768,000525
Total noninterest expense$8,016,000538
Salaries and employee benefits$4,186,000536
Premises and equipment expense$924,000637
Additional noninterest expense$2,906,000471
Pre-tax net operating income$2,830,000772
Securities gains (losses)$111,000744
Applicable income taxes$871,000824
Income before extraordinary items$2,070,000804
Extraordinary gains, net$016
Net income$2,070,000804
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-784,0009,105
Cash dividends$1,440,000489
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,992,300783
2003-12-31 (YTD Data)Rank
Total interest income$42,368,000659
Total interest expense$10,188,000870
Net interest income$32,180,000593
Provision for loan and lease losses$2,760,000517
Total noninterest income$16,140,000465
Gross Fiduciary activities income$167,000848
Service charges on deposit accounts$4,219,000407
Trading account gains and fees$1,959,00067
Additional Noninterest Income$9,795,000455
Total noninterest expense$33,570,000526
Salaries and employee benefits$17,880,000496
Premises and equipment expense$3,430,000668
Additional noninterest expense$12,260,000469
Pre-tax net operating income$11,990,000730
Securities gains (losses)$1,034,000466
Applicable income taxes$3,876,000757
Income before extraordinary items$9,148,000716
Extraordinary gains, net$054
Net income$9,148,000718
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,188,000386
Cash dividends$8,340,000431
Sale, conversion, retirement of capital stock, net$0868
Net operating income$8,424,200720
2003-09-30 (YTD Data)Rank
Total interest income$31,784,000677
Total interest expense$7,866,000879
Net interest income$23,918,000607
Provision for loan and lease losses$2,460,000449
Total noninterest income$12,201,000481
Gross Fiduciary activities income$121,000866
Service charges on deposit accounts$3,124,000419
Trading account gains and fees$1,664,00067
Additional Noninterest Income$7,292,000488
Total noninterest expense$24,898,000547
Salaries and employee benefits$13,166,000519
Premises and equipment expense$2,517,000699
Additional noninterest expense$9,215,000477
Pre-tax net operating income$8,761,000774
Securities gains (losses)$828,000501
Applicable income taxes$2,945,000781
Income before extraordinary items$6,644,000771
Extraordinary gains, net$040
Net income$6,644,000772
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,106,000646
Cash dividends$6,990,000387
Sale, conversion, retirement of capital stock, net$0722
Net operating income$6,072,680770
2003-06-30 (YTD Data)Rank
Total interest income$21,029,000687
Total interest expense$5,397,000887
Net interest income$15,632,000619
Provision for loan and lease losses$1,550,000467
Total noninterest income$7,184,000529
Gross Fiduciary activities income$82,000866
Service charges on deposit accounts$2,059,000421
Trading account gains and fees$450,00088
Additional Noninterest Income$4,593,000503
Total noninterest expense$15,830,000563
Salaries and employee benefits$8,337,000531
Premises and equipment expense$1,590,000734
Additional noninterest expense$5,903,000498
Pre-tax net operating income$5,436,000826
Securities gains (losses)$568,000525
Applicable income taxes$1,766,000867
Income before extraordinary items$4,238,000801
Extraordinary gains, net$030
Net income$4,238,000802
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-153,0009,179
Cash dividends$5,490,000318
Sale, conversion, retirement of capital stock, net$0589
Net operating income$3,834,720813
2003-03-31 (YTD Data)Rank
Total interest income$10,701,000678
Total interest expense$2,812,000877
Net interest income$7,889,000615
Provision for loan and lease losses$1,250,000325
Total noninterest income$3,377,000544
Gross Fiduciary activities income$42,000855
Service charges on deposit accounts$991,000420
Trading account gains and fees$301,00077
Additional Noninterest Income$2,043,000535
Total noninterest expense$7,642,000573
Salaries and employee benefits$4,061,000546
Premises and equipment expense$830,000703
Additional noninterest expense$2,751,000520
Pre-tax net operating income$2,374,000939
Securities gains (losses)$485,000356
Applicable income taxes$847,000914
Income before extraordinary items$2,012,000841
Extraordinary gains, net$021
Net income$2,012,000841
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-253,0009,281
Cash dividends$4,140,000217
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,672,500931
2002-12-31 (YTD Data)Rank
Total interest income$45,472,000672
Total interest expense$14,051,000794
Net interest income$31,421,000610
Provision for loan and lease losses$1,400,0001,002
Total noninterest income$13,876,000513
Gross Fiduciary activities income$204,000818
Service charges on deposit accounts$3,665,000449
Trading account gains and fees$1,867,00060
Additional Noninterest Income$8,140,000496
Total noninterest expense$30,571,000556
Salaries and employee benefits$16,151,000526
Premises and equipment expense$3,306,000668
Additional noninterest expense$11,114,000516
Pre-tax net operating income$13,326,000662
Securities gains (losses)$431,000724
Applicable income taxes$4,205,000697
Income before extraordinary items$9,552,000660
Extraordinary gains, net$070
Net income$9,552,000662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,765,000608
Cash dividends$10,865,000345
Sale, conversion, retirement of capital stock, net$0862
Net operating income$9,254,610650
2001-12-31 (YTD Data)Rank
Total interest income$58,656,000600
Total interest expense$24,904,000677
Net interest income$33,752,000553
Provision for loan and lease losses$3,975,000424
Total noninterest income$11,642,000549
Gross Fiduciary activities income$227,000804
Service charges on deposit accounts$3,154,000479
Trading account gains and fees$1,011,00072
Additional Noninterest Income$7,250,000506
Total noninterest expense$29,260,000575
Salaries and employee benefits$14,506,000544
Premises and equipment expense$3,510,000623
Additional noninterest expense$11,244,000530
Pre-tax net operating income$12,159,000642
Securities gains (losses)$99,0001,747
Applicable income taxes$3,427,000749
Income before extraordinary items$8,831,000637
Extraordinary gains, net$0105
Net income$8,831,000639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,249,000408
Cash dividends$9,131,000396
Sale, conversion, retirement of capital stock, net$0922
Net operating income$8,759,720611
2000-12-31 (YTD Data)Rank
Total interest income$66,410,000579
Total interest expense$29,380,000631
Net interest income$37,030,000515
Provision for loan and lease losses$1,420,000800
Total noninterest income$6,576,000758
Gross Fiduciary activities income$238,000769
Service charges on deposit accounts$2,635,000516
Trading account gains and fees$243,000104
Additional Noninterest Income$3,460,000788
Total noninterest expense$24,543,000652
Salaries and employee benefits$11,956,000605
Premises and equipment expense$3,223,000658
Additional noninterest expense$9,364,000610
Pre-tax net operating income$17,643,000494
Securities gains (losses)$-69,0009,307
Applicable income taxes$5,657,000510
Income before extraordinary items$11,917,000495
Extraordinary gains, net$038
Net income$11,917,000496
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-302,0009,856
Cash dividends$8,900,000417
Sale, conversion, retirement of capital stock, net$0969
Net operating income$11,963,920491
1999-12-31 (YTD Data)Rank
Total interest income$52,166,000674
Total interest expense$19,684,000804
Net interest income$32,482,000597
Provision for loan and lease losses$1,890,000592
Total noninterest income$5,900,000830
Gross Fiduciary activities income$226,000838
Service charges on deposit accounts$2,588,000524
Trading account gains and fees$0173
Additional Noninterest Income$3,086,000872
Total noninterest expense$22,475,000698
Salaries and employee benefits$11,086,000645
Premises and equipment expense$3,115,000673
Additional noninterest expense$8,274,000687
Pre-tax net operating income$14,017,000627
Securities gains (losses)$184,000567
Applicable income taxes$4,229,000673
Income before extraordinary items$9,972,000625
Extraordinary gains, net$035
Net income$9,972,000626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,018,000451
Cash dividends$7,200,000511
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$9,843,200614
1998-12-31 (YTD Data)Rank
Total interest income$50,198,000679
Total interest expense$20,075,000806
Net interest income$30,123,000596
Provision for loan and lease losses$706,0001,302
Total noninterest income$6,153,000805
Gross Fiduciary activities income$222,000847
Service charges on deposit accounts$2,480,000518
Trading account gains and fees$0224
Additional Noninterest Income$3,451,000835
Total noninterest expense$23,606,000649
Salaries and employee benefits$11,029,000643
Premises and equipment expense$3,227,000659
Additional noninterest expense$9,350,000616
Pre-tax net operating income$11,964,000676
Securities gains (losses)$250,000811
Applicable income taxes$638,0003,247
Income before extraordinary items$11,576,000508
Extraordinary gains, net$032
Net income$11,576,000507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0001,910
Cash dividends$6,000,000552
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$11,338,500492
1997-12-31 (YTD Data)Rank
Total interest income$47,954,000724
Total interest expense$19,640,000840
Net interest income$28,314,000638
Provision for loan and lease losses$980,0001,006
Total noninterest income$4,770,000957
Gross Fiduciary activities income$223,000874
Service charges on deposit accounts$2,473,000534
Trading account gains and fees$0239
Additional Noninterest Income$2,074,0001,074
Total noninterest expense$20,762,000718
Salaries and employee benefits$9,846,000695
Premises and equipment expense$3,256,000643
Additional noninterest expense$7,660,000715
Pre-tax net operating income$11,342,000734
Securities gains (losses)$48,0001,362
Applicable income taxes$2,986,000934
Income before extraordinary items$8,404,000681
Extraordinary gains, net$044
Net income$8,404,000681
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,735,000336
Cash dividends$3,900,000769
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$8,368,480667
1996-12-31 (YTD Data)Rank
Total interest income$48,403,000755
Total interest expense$19,907,000848
Net interest income$28,496,000681
Provision for loan and lease losses$7,695,000254
Total noninterest income$4,390,0001,035
Gross Fiduciary activities income$208,000955
Service charges on deposit accounts$2,673,000516
Trading account gains and fees$0262
Additional Noninterest Income$1,509,0001,384
Total noninterest expense$18,760,000832
Salaries and employee benefits$8,930,000784
Premises and equipment expense$3,193,000704
Additional noninterest expense$6,637,000921
Pre-tax net operating income$6,431,0001,143
Securities gains (losses)$13,0002,310
Applicable income taxes$1,408,0001,701
Income before extraordinary items$5,036,0001,035
Extraordinary gains, net$053
Net income$5,036,0001,036
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,420,000365
Cash dividends$6,300,000574
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,025,8601,022
1995-12-31 (YTD Data)Rank
Total interest income$49,362,000765
Total interest expense$20,408,000867
Net interest income$28,954,000692
Provision for loan and lease losses$1,500,000712
Total noninterest income$4,162,0001,088
Gross Fiduciary activities income$184,0001,026
Service charges on deposit accounts$2,640,000540
Trading account gains and fees$0522
Additional Noninterest Income$1,338,0001,473
Total noninterest expense$20,627,000767
Salaries and employee benefits$10,408,000674
Premises and equipment expense$3,059,000751
Additional noninterest expense$7,160,000852
Pre-tax net operating income$10,989,000774
Securities gains (losses)$11,0002,318
Applicable income taxes$3,147,000886
Income before extraordinary items$7,853,000731
Extraordinary gains, net$065
Net income$7,853,000731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$825,0001,004
Cash dividends$8,400,000436
Sale, conversion, retirement of capital stock, net$0809
Net operating income$7,845,190723
1994-12-31 (YTD Data)Rank
Total interest income$42,347,000802
Total interest expense$14,023,000959
Net interest income$28,324,000701
Provision for loan and lease losses$1,968,000594
Total noninterest income$4,490,000997
Gross Fiduciary activities income$205,0001,012
Service charges on deposit accounts$2,879,000492
Trading account gains and fees$0475
Additional Noninterest Income$1,406,0001,454
Total noninterest expense$20,525,000792
Salaries and employee benefits$10,213,000691
Premises and equipment expense$3,036,000758
Additional noninterest expense$7,276,000883
Pre-tax net operating income$10,321,000771
Securities gains (losses)$337,000357
Applicable income taxes$2,491,0001,016
Income before extraordinary items$8,167,000674
Extraordinary gains, net$0249
Net income$8,167,000676
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,999,000554
Cash dividends$8,550,000386
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$7,907,510708
1993-12-31 (YTD Data)Rank
Total interest income$39,521,000841
Total interest expense$11,276,0001,206
Net interest income$28,245,000700
Provision for loan and lease losses$-679,00013,196
Total noninterest income$4,739,0001,027
Gross Fiduciary activities income$263,000984
Service charges on deposit accounts$3,267,000446
Trading account gains and fees$0532
Additional Noninterest Income$1,209,0001,801
Total noninterest expense$19,499,000862
Salaries and employee benefits$9,680,000721
Premises and equipment expense$2,895,000800
Additional noninterest expense$6,924,000992
Pre-tax net operating income$14,164,000532
Securities gains (losses)$3,781,000198
Applicable income taxes$5,650,000488
Income before extraordinary items$12,295,000452
Extraordinary gains, net$550,000410
Net income$12,845,000448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$324,0002,340
Cash dividends$8,100,000331
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$9,686,110518
1992-12-31 (YTD Data)Rank
Total interest income$41,597,000909
Total interest expense$14,101,0001,254
Net interest income$27,496,000726
Provision for loan and lease losses$999,0001,843
Total noninterest income$4,476,0001,068
Gross Fiduciary activities income$168,0001,124
Service charges on deposit accounts$3,279,000452
Trading account gains and fees$0504
Additional Noninterest Income$1,029,0001,959
Total noninterest expense$18,630,000900
Salaries and employee benefits$9,111,000752
Premises and equipment expense$2,652,000893
Additional noninterest expense$6,867,0001,026
Pre-tax net operating income$12,343,000521
Securities gains (losses)$955,000671
Applicable income taxes$3,922,000605
Income before extraordinary items$9,376,000516
Extraordinary gains, net$01,422
Net income$9,376,000517
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-378,00013,897
Cash dividends$16,500,000145
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$8,697,950496

* 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.